Payment Network Qualification Matrix Effective October 2014 Table of Contents
Payment Network Qualification Matrix Effective October 2014 Table of Contents Easy-to-use navigation. Click on any hyperlinked item below to view the corresponding pages. Preface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 CPS/E-Commerce Passenger Transport Preferred. . . . . . . . . . . . . . . . . . . . . . . 18 CPS/Tax Payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 How to Use the Matrix. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 CPS/Debt Repayment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 CPS/Account Funding. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Visa Interchange Programs ® CPS/Charity. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 CPS Retail (Custom Payment Service) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Signature Preferred / Infinite - Card Not Present. . . . . . . . . . . . . . . . . . . . . . . 20 CPS/Restaurant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Signature Preferred / Infinite - Retail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 CPS/Retail Service Station. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Signature Preferred / Infinite - Business-to-Business . . . . . . . . . . . . . . . . . . . . 21 CPS/Automated Fuel Dispenser (AFD) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Signature Preferred / Infinite - Fuel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 CPS/Supermarket . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Signature / Signature Preferred / Infinite - Electronic . . . . . . . . . . . . . . . . . . 22 CPS/Retail Key-Entered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Electronic Interchange Reimbursement Fee (EIRF). . . . . . . . . . . . . . . . . . . . . 22 CPS/Small Ticket. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Electronic Interchange Reimbursement Fee (EIRF) Fuel Cap. . . . . . . . . . . 23 CPS/Retail 2 (Emerging Markets). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Standard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 CPS/Recurring Bill Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 GSA Purchasing Card Large Ticket . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 CPS/Utility. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Purchasing Card Large Ticket. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 CPS/Car Rental - Card Present. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Large Purchase Advantage 1, 2, 3 and 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 CPS/Car Rental - Card Not Present . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Commercial Card Level III . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 CPS/Car Rental - E-Commerce. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Commercial Card Level II. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 CPS/Hotel - Card Present. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Commercial - Card Not Present. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 CPS/Hotel - Card Not Present . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Commercial - Retail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 CPS/Hotel - E-Commerce. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Commercial - Business-to-Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 CPS/Card Not Present (CNP). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Business Debit / Commercial Prepaid - Retail. . . . . . . . . . . . . . . . . . . . . . . . . . 29 CPS/E-Commerce Basic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Business Debit / Commercial Prepaid - Card Not Present . . . . . . . . . . . . . . 29 CPS/E-Commerce Preferred . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Business Debit / Commercial Prepaid - Standard. . . . . . . . . . . . . . . . . . . . . . . 29 CPS/Passenger Transport - Card Present. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Commercial - Electronic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 CPS/Passenger Transport - Card Not Present. . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Commercial - Electronic T&E . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 1 Qualification Matrix - October 2014 QM Table of Contents (continued) — Click on any item below to view the corresponding page Commercial - Travel Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Charity. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 Commercial - Electronic with Data. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Emerging Market. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 Commercial Standard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Restaurant. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 Interregional Debit Regulated . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Small Ticket. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 Interregional Commercial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Travel and Entertainment (T&E) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49 Interregional Premium . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 Airline. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49 Interregional Super Premium . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 Consumer Standard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 Interregional Electronic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 Commercial Large Ticket III. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51 Interregional Issuer Chip . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 Commercial Large Ticket II. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52 Interregional Airline . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 Commercial Large Ticket I. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53 Interregional E-Commerce and Secure E-Commerce . . . . . . . . . . . . . . . . . . 33 Commercial Payment Account 1, 2, 3, 4, and 5. . . . . . . . . . . . . . . . . . . . . . . . . . 54 Interregional Standard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 Commercial Data Rate III. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55 Visa Footnotes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 Commercial Data Rate II. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56 Commercial Data Rate II Petroleum. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57 MasterCard Interchange Programs ® Commercial Data Rate II Face-to-Face. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 Merit III. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 Commercial Face-to-Face Petroleum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59 Merit I. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 Commercial Data Rate I. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 Key Entered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37 Commercial Standard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 Merit I E-Commerce. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Commercial T&E III. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .62 Merit I Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Commercial T&E II . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 Merit I Real Estate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Commercial T&E I . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 Merit I Consumer Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 T&E Large Ticket. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64 Merchant Universal Cardholder Authentication Field - “SecureCode”. . . 40 Interregional Regulated POS Debit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64 Full Universal Cardholder Authentication Field - “SecureCode” . . . . . . . . . 41 Interregional Electronic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65 Public Sector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 Interregional Standard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65 Supermarket. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 Interregional Purchasing Large Ticket . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 Convenience Base. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 Interregional Purchasing Data Rate II . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 Passenger Transport. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 Interregional Commercial Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 Petroleum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 MasterCard Footnotes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67 Utility. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 Lodging / Auto Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 Service Industries Incentive Program (SIIP). . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 2 Qualification Matrix - October 2014 QM Table of Contents (continued) — Click on any item below to view the corresponding page Discover® Interchange Programs American Express® Program Pricing PSL - Recurring Payments (Prime Submission Level). . . . . . . . . . . . . . . . . . . 68 Business-to-Business / Wholesale. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83 PSL - Utilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68 Bars / Caterer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 84 PSL - Retail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69 Healthcare. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85 PSL - Restaurant. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70 Lodging . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86 PSL - Petroleum. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70 Mail Order & Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87 PSL - Supermarket. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71 Restaurant. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 88 PSL - Key Entry. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 72 Retail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 89 PSL - Express Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73 Services & Professional Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90 PSL - Emerging Markets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73 Travel & Entertainment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91 PSL - Public Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74 Other. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 92 PSL - Hotels/Car Rentals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74 Prepaid. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 93 PSL - Card Not Present/E-Commerce. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75 American Express Footnotes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 94 PSL - Passenger Transport. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75 PSL - Real Estate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 76 PSL - Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 76 Mid Submission Level. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77 Base Submission Level. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78 Commercial Large Ticket. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78 Commercial Electronic - Passenger Transport. . . . . . . . . . . . . . . . . . . . . . . . . . 79 Commercial Electronic - Emerging Markets/Public Services. . . . . . . . . . . 79 Commercial Electronic - All Others. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80 Commercial Base Submission Level. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80 International Electronic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81 International Base . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81 Discover Footnotes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82 www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 3 Qualification Matrix - October 2014 QM Preface A significant portion of the fees we charge you for processing your credit card and non-PIN debit card transactions is related to the fees we are obligated to pay to Visa, MasterCard, Discover and American Express (the “Payment Networks”), which fees the Payment Networks either pay to the payment card issuing banks or retain for their own benefit. This amount, called “Interchange” varies based upon a series of interchange programs (also known as interchange levels), that may apply to the transaction depending upon a number of factors – including but are not limited to, the type of card presented, specific information contained in the transaction, how and when the transaction is processed and your industry. American Express charges Program Pricing fees and not Interchange, and these fees are subject to change. As a result, a portion of the rate that we charge you will depend on the type of transaction and the interchange program under which the transaction is processed. In order to qualify for any specific Interchange program, you must satisfy certain qualification criteria established by the payment networks. This Visa, MasterCard, Discover & American Express Payment Network Qualification Matrix identifies the primary qualification criteria for the various interchange programs. In reviewing the Visa, MasterCard, Discover & American Express Payment Network Qualification Matrix, please note the following: • The Payment Network Qualification Matrix is only a summary of the rates, qualification criteria, and downgrade reasons established by Visa, MasterCard, Discover & American Express for each interchange program – it is not all inclusive and applies to merchants processing in the U.S. For a complete list, call the customer service phone number listed on your merchant account statement. In the event of any ambiguity or conflict, the interchange requirements established by the payment networks will determine in which interchange program your transactions qualify. • Some interchange programs require that you utilize certain additional services such as Address Verification Service (AVS). Some interchange programs also require that you transmit detailed transaction data such as order numbers or hotel folio numbers. Other interchange programs require that you transmit certain indicators reflecting the nature of your transactions (such as an “E-Commerce indicator” for internet transactions). • Interchange programs may also be restricted to merchants in certain Merchant Category Codes (“MCC”) such as Supermarkets or Automated Fuel Dispensers (AFD). • In some cases, transactions may be processed within a more costly interchange program solely as a result of the type of card that is presented. For example, a Visa Signature card, among others, will generally qualify within a higher interchange program. • The information in the Payment Network Qualification Matrix should not be used to develop software or other interfaces for transmitting transactions as technical aspects of these requirements may be much more detailed than the summary presented. If you utilize terminals, software, services or equipment provided or configured by any third party, be aware that failure by these systems to correctly and accurately transmit information in the required formats may result in your transactions not qualifying within the most favorable interchange programs. • The Primary Qualification Criteria listed for each interchange program on the Payment Network Qualification Matrix is accurate at the time of release. However, the payment networks may at their discretion add, remove or change qualification criteria or interchange programs at will. • On June 29, 2011 the Federal Reserve Board (FRB) released the final regulations implementing Section 1075 (the Debit Interchange Amendment) of the Dodd-Frank Wall Street Reform Act. Within the Act, the FRB was directed to establish regulations on Debit Interchange Rates. As a result, effective October 1, 2011, Debit Interchange will be divided into two categories: Non-Regulated (Financial Institutions with assets less than $10 billion, Govt. issued benefit cards and general-use reloadable prepaid cards) and Regulated (Financial Institutions with assets greater than or equal to $10 billion). • The Discover section only applies to customers where Wells Fargo Merchant Services (WFMS) is responsible for the authorization, processing and settlement of Discover Cards (including Diners Club International, Japanese Credit Bureau, China Union Pay and Korean BC Card). It does not apply to customers that have a direct relationship with Discover, where WFMS is responsible for only authorization and/or capture of Discover Cards, and Discover is responsible for processing and settlement. • The American Express section only applies to customers where Wells Fargo Merchant Services (WFMS) is responsible for the authorization, processing and settlement of American Express Cards. It does not apply to customers that have a direct relationship with American Express, where WFMS is responsible for only authorization and/or capture of American Express Cards, and American Express is responsible for processing and settlement. www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 4 Qualification Matrix - October 2014 QM How to Use the Matrix Matrix column Description 1 Interchange Program/Card Type Various interchange programs specifying each type of payment card eligible within this program. 2 Discount Rate The discount rate for which each card type is eligible within the specified interchange program. 3 Primary Qualification Criteria The qualifying criteria that is required for a payment to be eligible for the specified interchange program. Your anticipated interchange programs can be found on the pages referenced in your Interchange Pricing Summary. 4 Next Interchange Program Logic If you don’t meet the criteria specified in #3, this is the next available interchange program at which you will be priced. 5 Changes Note to read-aloud software users: Within the matrix, we have used a blue square-shaped symbol to mark a new program or a qualification that has changed in any of the other columns. Your read-aloud software might pronounce this symbol as the letter “N”. We have used a purple circle symbol to mark a change in the MCC codes that qualify for a particular interchange program. Your read-aloud software might pronounce this symbol as the letter “L”. n = New Program or Qualification l = MCC Change n = New Program or Qualification Interchange Program Discount Rate • Card Type l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Electronic Interchange Reimbursement Fee (EIRF) Fuel Cap Eligible: Service Station (MCC 5541), Automated Fuel Dispenser (MCC 5542). l • Consumer Credit/Rewards/Signature Credit 1 Swipe or key-enter transaction, obtain signature2 when the transaction is face-to-face. 1 N/A • Non-Regulated Consumer Debit/Non-Regulated Prepaid Debit 2 Obtain and pass 1 valid electronic authorization.3 Authorize sale through terminal/software or telephone. 2 Standard 3 Authorize and create a sale within 1 day and settle within 2 days. Purchasing Card Large Ticket n We’re here to help If you have any questions, please contact Wells Fargo Merchant Services Customer Service at 1-800-451-5817, 8 a.m. to 10 p.m. Eastern Time, Monday through Friday. n 3 Standard n Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Purchasing Card-Non GSA Credit • Purchasing Card-Non GSA Prepaid s Debit • Regulated Commercial Prepaid Debit www.wellsfargo.com/biz/qualmatrix 1 Settle within 7 days. 1 Commercial Electronic 2 Purchasing Card-Non GSA transaction greater than or equal to $6,980 2 Commercial Level III 3 3 Commercial Prepaid Card Not Present Purchasing Card-Non GSA Prepaid transaction greater than or equal to $2,908 © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 5 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS Retail (Custom Payment Service) Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967). Not Eligible for Consumer Credit, Rewards or Signature: Quasi Cash (MCC 6051, 4829, 7995). Not Eligible for Consumer Debit and Prepaid: Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Consumer Credit Credit 1 Swipe card, obtain customer’s signature.2 1 CPS/Retail Key-Entered or CPS/Card Not Present • Rewards/Signature/Infinite Credit 2 Authorize and settle within 1 day. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Obtain and pass 1 valid electronic authorization.3 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 When processing a Non-PIN debit transaction the authorization and settlement amount must match. Taxicab & Limousines (MCC 4121), Bars & Taverns (MCC 5813), Beauty & Barber Shops (MCC 7230), Health & Beauty Spas (MCC 7298) are exempt from transaction amount tolerance. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Bill payment transactions that do not have health or select developing market MCCs require additional data.5 5 N/A CPS/Restaurant Eligible: Restaurants (MCC 5812), Fast Food Restaurants (MCC 5814). • Consumer Credit Credit 1 Swipe card, obtain customer’s signature.2 1 CPS/Retail Key-Entered or CPS/Card Not Present • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 EIRF • Non-Regulated Consumer Debit Debit 3 Authorize and settle within 1 day1. 3 EIRF • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Prepaid Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 6 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Retail Service Station Eligible: Service Stations (MCC 5541). • Consumer Credit/Rewards/Signature/Infinite Credit 1 Swipe card, obtain customer’s signature.2 1 CPS/Retail Key-Entered or CPS/Card Not Present • Non-Regulated Consumer Debit Debit 2 Obtain and pass 1 valid electronic authorization.3 2 EIRF • Non-Regulated Consumer Prepaid Debit 3 Authorize and settle within 1 day. 3 EIRF • Regulated Consumer Debit/Prepaid Debit CPS/Automated Fuel Dispenser (AFD) Eligible: Automated Fuel Dispenser (MCC 5542). • Consumer Credit/Rewards/Signature/Infinite Credit 1 AFD swipe card on a Card Activated Terminal (CAT). 1 EIRF • Non-Regulated Consumer Debit Debit 2 Must pass CAT level indicator of a “3”. 2 EIRF • Non-Regulated Consumer Prepaid Debit 3 Obtain and pass 1 valid electronic authorization3 ($1.00 status check). 3 EIRF • Regulated Consumer Debit /Prepaid Debit 4 $125.00 transaction limit. 4 EIRF 5 Authorize and settle within 1 day. 5 EIRF www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 7 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Supermarket Eligible: Supermarkets (MCC 5411). • Consumer Credit Credit 1 Swipe card, obtain customer’s signature.2 1 CPS/Retail Key-Entered, CPS/Card Not Present or EIRF • Rewards/Signature/Infinite Credit 2 Obtain and pass 1 valid electronic authorization.3 2 EIRF • Non-Regulated Consumer Debit Debit 3 Authorize and settle within 1 day. 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 When accepting Non-PIN Debit transactions the authorization amount and settlement amount must match. 4 EIRF • Regulated Consumer Debit /Prepaid Debit CPS/Retail Key-Entered Not Eligible: Automated Fuel Dispensers (MCC 5542), and Direct Marketing (MCC 5960, 5962, 5964-5969). Not Eligible for Consumer Credit, Rewards and Signature: Quasi Cash (MCC 6051, 4829, 7995). • Consumer Credit Credit 1 Magnetic stripe not readable, key-enter transaction, obtain customer’s signature. 1 CPS/Retail • Rewards/Signature/Infinite Credit 2 Authorize and settle within 1 day. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Obtain and pass 1 valid electronic authorization.3 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 AVS4 required, Use AVS feature on terminal or software; zip code must match; and a POS indicator of “71”. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 When processing a Non-PIN debit transaction the authorization and settlement amount must match. Taxicab & Limousines (MCC 4121), Bars & Taverns (MCC 5813), Beauty & Barber Shops (MCC 7230) and Health & Beauty Spas (MCC 7298) are exempt from transaction amount tolerance. 5 EIRF 6 Bill payment transactions that do not have health or select developing market MCCs require additional data.5 6 N/A www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 8 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Small Ticket Not Eligible: Automated Fuel Dispensers (MCC 5542), Direct Marketing (MCC 5960, 5962, 5964-5969), Financial Institutions-Merchandise and Services (MCC 6012), Wire Transfer Money Orders (MCC 4829), Betting (Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks) (MCC 7995), Intra-Government Purchases (MCC 9405), and Intra-Company Purchases (MCC 9950). • Consumer Credit/Rewards/Signature/Infinite Credit 1 Swipe card, customer’s signature not required. 1 CPS/Retail Key-Entered, CPS/Card Not Present or EIRF • Non-Regulated Consumer Debit Debit 2 Obtain and pass 1 valid electronic authorization.3 2 EIRF • Non-Regulated Consumer Prepaid Debit 3 Authorize and settle within 1 day. 3 EIRF • Regulated Consumer Debit/Prepaid Debit 4 Transaction amount less than or equal to $15.00. 4 N/A 5 Bill payment transactions that do not have health or select developing market MCCs require additional data.5 5 N/A CPS/Retail 2 (Emerging Markets) Eligible: Government (MCC 9399, 9211, 9222), Schools (MCC 8220, 8211, 8299), Insurance Companies (MCC 6300, 5960), Fuel Dealers (MCC 5983), Child Care Services (MCC 8351), and Direct Marketing Subscription Merchants (MCC 5968). MCCs 5960 and 5968 requires CPS/CNP or CPS/E-Commerce qualification. l Eligible for Debit Only: Telecommunication Services (MCC 4814), Real Estate Agents and Managers-Rentals (MCC 6513), Charitable Organizations (MCC 8398), and Cable, Satellite, and Other Pay Television & Radio Services (MCC 4899). l • Consumer Credit/Rewards/Signature Credit 1 Consumer Credit, Rewards and Signature cards must be CPS qualified7 for CPS/Retail, CPS/Retail Key Entry, CPS/Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred. 1 EIRF • Non-Regulated Consumer Debit Debit 2 Consumer Debit and Prepaid cards must be CPS qualified7 for CPS/ Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred. 2 CPS/Retail or CPS/Retail Key Entry • Non-Regulated Consumer Prepaid Debit 3 AVS4 optional for CPS/Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred. 3 N/A • Regulated Consumer Debit/Prepaid Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 9 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Recurring Bill Payments n Eligible: Telecommunication Services (MCC 4814) and Cable, Satellite, and Other Pay Television & Radio Services (MCC 4899). • Consumer Credit/Rewards/Signature Credit 1 Key-entered transaction. 1 CPS/Retail 2 Obtain and pass 1 valid electronic authorization.3 2 EIRF 3 Authorize and settle within 1 day. 3 EIRF 4 Recurring bill payment transactions require additional data.5 4 N/A CPS/Utility Eligible: Utility-Water, Gas, Electric, Sanitation (MCC 4900). • Consumer Credit/Rewards/Signature/Infinite Credit 1 Must be registered with Visa with valid Merchant Verification Value (MVV) on account. 1 N/A • Business/Signature Business/Business Enhanced Credit 2 Consumer Credit, Rewards and Signature cards must be CPS qualified7 for CPS/Retail, CPS/Retail Key Entry, CPS/Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Consumer and Commercial Debit and Prepaid cards must be CPS qualified7 for CPS/Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred. 3 CPS/Retail, CPS/Retail Key Entry, CPS/Small Ticket or Business Debit/Commercial Prepaid Retail • Non-Regulated Consumer Prepaid Debit • Non-Regulated Business Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 10 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Car Rental - Card Present Eligible: Car Rentals (MCC 3351-3518, 7512). • Consumer Credit Credit 1 Swipe Card, obtain customer’s signature.2 1 CPS/Car Rental Card Not Present • Rewards Credit 2 1 or more electronic authorization,3 with original auth at settlement. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Transaction must include: Rental Agreement number, Check-Out/ Return Date, Duration, No Show/Extra Charge Indicator. 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 1 day to settle between the Check Out/Return Date and the settlement date. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Can settle within 15% or $75, whichever is the greater of the authorized amount; includes authorization reversal and incrementals. 5 EIRF • Consumer Credit Credit 1 Key-entered transaction. 1 CPS/Car Rental Card Present • Rewards Credit 2 1 or more electronic authorization,3 with original auth at settlement. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Transaction must include: Rental Agreement number, Check-Out/ Return Date, Duration, No Show/Extra Charge Indicator, Preferred Customer Indicator (P). 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 1 day to settle between the Check Out/Return Date and the settlement date. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Can settle within 15% or $75, whichever is the greater of the authorized amount; includes authorization reversal and incrementals. 5 EIRF CPS/Car Rental - Card Not Present Eligible: Car Rentals (MCC 3351-3518, 7512). www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 11 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Car Rental - E-Commerce Eligible: Car Rentals (MCC 3351-3518, 7512). • Consumer Credit Credit 1 Key-entered transaction. 1 CPS/Car Rental Card Present • Rewards Credit 2 1 or more electronic authorization,3 with original auth at settlement. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Transaction must include: Rental Agreement number, Check-Out/ Return Date, Duration, No Show/Extra Charge Indicator, Preferred Customer Indicator (P). 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 1 day to settle between the Check Out and the settlement date. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Can settle within 15% or $75, whichever is the greater of the authorized amount; includes authorization reversal and incrementals. 5 EIRF 6 E-Commerce transactions must perform Cardholder Authentication Verification Value (CAVV) and include an E-Commerce Indicator of a 5 or 6. 6 EIRF www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 12 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Hotel - Card Present Eligible: Lodging (MCC 3519-3828, 7011). • Consumer Credit Credit 1 Swipe card, obtain customer’s signature.2 1 CPS/Hotel Card Not Present • Rewards Credit 2 1 or more electronic authorization,3 with original auth at settlement. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Transaction must include: Folio number, Check-In Date, Duration, No Show /Extra Charge indicator. 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 1 day to settle between the Check Out and the settlement date. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Can settle within 15% of the authorized amount; includes authorization reversal and incrementals. 5 EIRF • Consumer Credit Credit 1 Key-entered transaction. 1 CPS Hotel Card Present • Rewards Credit 2 1 or more electronic authorization,3 with original auth at settlement. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Transaction must include: Folio number, Check-In Date, Duration, No Show /Extra Charge Indicator, Preferred Customer Indicator (P). 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 1 day to settle between the Check Out and the settlement date. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Can settle within 15% of the authorized amount; includes authorization reversal and incrementals. 5 EIRF CPS/Hotel - Card Not Present Eligible: Lodging (MCC 3519-3828, 7011). www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 13 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Hotel - E-Commerce Eligible: Lodging (MCC 3519-3828, 7011). • Consumer Credit Credit 1 Key-entered transaction. 1 CPS Hotel Card Present • Rewards Credit 2 1 or more electronic authorization,3 with original auth at settlement. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Transaction must include: Folio number, Check-In Date, Duration, No Show/Extra Charge Indicator, Preferred Customer Indicator (P). 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 1 day to settle between the Check Out and the settlement date. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Can settle within 15% of the authorized amount; includes authorization reversal and incrementals. 5 EIRF 6 E-Commerce transactions must perform Cardholder Authentication Verification Value (CAVV) and include an E-Commerce Indicator of a 5 or 6. 6 EIRF CPS/Card Not Present (CNP) Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967). • Consumer Credit Credit 1 Key-enter transaction; If prompted “is card present” answer "no". 1 CPS/Retail • Rewards/Signature/Infinite Credit 2 Obtain and pass 1 valid electronic authorization.3 1 authorization reversal6 allowed. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Settle within 1 day (1 day to settle between ship date and settlement date). 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 AVS4 required-use AVS feature on terminal or software: enter up to first 5 numeric characters of address then zip code. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Transaction date must equal shipping date and that date is no more than 7 days after authorization. 5 EIRF 6 Authorization and settlement amount must match. 6 EIRF 7 Transaction must include; order number, customer service phone number and MO/TO indicator of a “01” and a POS Condition Code of “08”. 7 EIRF 8 Bill payment transactions that do not have health or select developing market MCCs require additional data.5 8 N/A www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 14 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/E-Commerce Basic Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967). • Consumer Credit Credit 1 Available to E-Commerce merchants; Key-enter transaction. 1 CPS/Retail, CPS/Retail Key Entry or CPS/Card Not Present • Rewards/Signature/Infinite Credit 2 Obtain and pass 1 valid electronic authorization.3 1 authorization reversal6 allowed. 2 EIRF • Non-Regulated Consumer Debit Debit 3 Settle within 1 day (1 day to settle between ship date and settlement date). 3 EIRF • Non-Regulated Consumer Prepaid Debit 4 AVS4 required-use AVS feature on terminal or software: enter up to first 5 numeric characters of address then zip code. 4 EIRF • Regulated Consumer Debit/Prepaid Debit 5 Transaction date must equal shipping date and that date is no more than 7 days after authorization. 5 EIRF 6 Authorization and settlement amount must match. 6 EIRF 7 Transaction must include order number, customer service phone number. 7 EIRF 8 E-Commerce Indicator of a “7” must be present and a POS Condition Code of “59”. 8 EIRF 9 Bill payment transactions that do not have health or select developing market MCCs require additional data.5 9 N/A www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 15 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/E-Commerce Preferred Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967). • Consumer Credit/Rewards/Signature/Infinite Credit 1 Available to E-Commerce merchants for key entered transactions. 1 CPS/Retail, CPS/Retail Key Entry or CPS/Card Not Present • Non-Regulated Consumer Debit Debit 2 Obtain and pass 1 valid electronic authorization,3 1 authorization reversal6 allowed. 2 EIRF • Non-Regulated Consumer Prepaid Debit 3 Settle within 1 day (1 day to settle between ship date and settlement date). 3 EIRF • Regulated Consumer Debit/Prepaid Debit 4 Transaction date must equal shipping date and that date is no more than 7 days after authorization. 4 EIRF 5 Authorization and settlement amount must match. 5 EIRF 6 Transaction must include order number, customer service phone number. 6 EIRF 7 Must have secured E-Commerce indicator of “5” or “6”. POS condition code must be “59”. Must perform Cardholder Authentication Verification Value (CAVV) and AVS.4 7 EIRF 8 Bill payment transactions that do not have health or select developing market MCCs require additional data.5 8 EIRF www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 16 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Passenger Transport - Card Present Eligible: Airlines (MCC 3000-3299, 4511), Railways (MCC 4112). • Consumer Credit Credit 1 Swipe transaction, obtain customer’s signature.2 1 CPS/Passenger Transport-Card Not Present • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 EIRF • Non-Regulated Consumer Debit Debit 3 Settle within 7 days. 3 Standard • Non-Regulated Consumer Prepaid Debit 4 Transaction must include; Ticket Number, Sequence Number, Count and Itinerary Information. 4 Standard • Regulated Consumer Debit/Consumer Prepaid Debit 5 Transaction date must equal authorization date. 5 Standard CPS/Passenger Transport - Card Not Present Eligible: Airlines (MCC 3000-3299, 4511), Railways (MCC 4112). • Consumer Credit Credit 1 Key-enter transaction. 1 CPS/Passenger Transport-Card Present • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 EIRF • Non-Regulated Consumer Debit Debit 3 Settle within 7 days. 3 Standard • Non-Regulated Consumer Prepaid Debit 4 Transaction must include; Ticket Number, Sequence Number, Count and Itinerary Information. 4 Standard • Regulated Consumer Debit/Consumer Prepaid Debit 5 Transaction date must equal authorization date. 5 Standard www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 17 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/E-Commerce Passenger Transport Preferred Eligible: Airlines (MCC 3000-3299, 4511), Railways (MCC 4112). • Consumer Credit Credit 1 Available to E-Commerce merchants for key entered transactions. 1 CPS/Passenger Transport-Card Present or CPS/ Passenger Transport-Card Not Present • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 EIRF • Non-Regulated Consumer Debit Debit 3 Settle within 7 days. 3 Standard • Non-Regulated Consumer Prepaid Debit 4 Transaction must include; Ticket Number, Sequence Number, Count and Itinerary Information. 4 Standard • Regulated Consumer Debit/Prepaid Debit 5 E-Commerce transactions must include E-Commerce indicator of “5” or “6”. Must perform Cardholder Authentication Verification Value (CAVV). 5 EIRF 6 Transaction date must equal authorization date. 6 Standard CPS/Tax Payment Eligible: Tax Payments (MCC 9311). • Non-Regulated Consumer Debit/Consumer Prepaid Debit 1 Must be CPS qualified7 for CPS/Card Not Present, CPS/ECommerce Basic or CPS/E-Commerce Preferred. 1 CPS/Retail, CPS/Retail Key-Entry or CPS/Small Ticket • Regulated Consumer Debit/Prepaid Debit 2 Must be registered with Visa with valid Merchant Verification Value (MVV) on account. 2 CPS/Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 18 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Debt Repayment Eligible: Financial Institutions (MCC 6012), Non-Financial Institutions (MCC 6051). • Non-Regulated Consumer Debit/Consumer Prepaid Debit 1 Must be CPS qualified7 for CPS/Card Not Present, CPS/ECommerce Basic or CPS/E-Commerce Preferred. 1 CPS/Retail, CPS/Retail Key-Entry or CPS/Small Ticket • Non Regulated Business Debit Debit 2 Must be registered with Visa with valid Merchant Verification Value (MVV) on account. 2 CPS/Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred • Regulated Consumer Debit/Prepaid Debit 3 Must be a Bill payment transaction.5 3 N/A 4 Must pass Existing Debt Indicator. 4 N/A CPS/Account Funding Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967). Not Eligible for Consumer Credit, Rewards and Signature: Quasi Cash (MCC 6051, 4829, 7995). • Consumer Credit/Rewards/Signature/Infinite Credit 1 Available to E-Commerce merchants for key entered transactions. 1 CPS/Retail, CPS/Retail Key Entry or CPS/Card Not Present • Non-Regulated Consumer Debit Debit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • Non-Regulated Consumer Prepaid Debit 3 Authorize and settle within 1 day. 3 EIRF • Regulated Consumer Debit/Prepaid Debit 4 Authorization and settlement amount must match. 4 EIRF 5 AVS4 required, Use Address Verification (AVS) feature on terminal or software; full address must match. 5 EIRF 6 Transaction must include customer service phone number, URL or E-Mail Address. 6 EIRF 7 Must have secured E-Commerce indicator of “5”, “6" or "7". 7 EIRF www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 19 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. CPS/Charity Eligible: Charitable and Social Service Organizations (MCC 8398). • Consumer Credit/Rewards/Signature/Signature Preferred/Infinite Credit 1 Must be CPS qualified7 for CPS/Retail, CPS/Card Not Present, CPS/E-Commerce Basic, CPS/E-Commerce Preferred or CPS/ Retail Key-Entry. 1 EIRF Signature Preferred / Infinite - Card Not Present Not Eligible: Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), Travel Agents (MCC 4722), and High Risk Direct Marketing (MCC 5962, 5966, 5967). • Signature Preferred Credit • Infinite10 Credit 1 Must be CPS qualified7 for CPS/Card Not Present, CPS/ECommerce Basic, CPS/E-Commerce Preferred or CPS/Account Funding. 1 Standard Signature Preferred / Infinite - Retail Not Eligible: Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), Travel Agents (MCC 4722), and High Risk Direct Marketing (MCC 5962, 5966, 5967). • Signature Preferred Credit • Infinite10 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 1 Must be CPS qualified7 for CPS/Retail, CPS/Supermarket, CPS/ Retail Key Entry or CPS/Small Ticket. 20 1 Standard Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Signature Preferred / Infinite - Business-to-Business Eligible: Business-to-Business - Landscaping and Horticultural Services (MCC 780), Special Trade Contractors (MCC 1799), Miscellaneous Publishing and Printing (MCC 2741), Typesetting, Plate Making and Related Services (MCC 2791), Specialty Cleaning, Polishing and Sanitation Preparations (MCC 2842), Motor Freight Carriers and Trucking (MCC 4214), Office and Commercial Furniture (MCC 5021), Construction Materials (MCC 5039), Photographic, Photocopy, Microfilm Equipment and Software (MCC 5044), Commercial Equipment (MCC 5046), Medical, Dental, Ophthalmic and Hospital Equipment and Supplies (MCC 5047), Metal Service Centers and Offices (MCC 5051), Electrical Parts and Equipment (MCC 5065), Plumbing and Heating Equipment and Supplies (MCC 5074), Industrial Supplies (MCC 5085), Durable Goods (MCC 5099), Piece Goods, Notions, and Other Dry Goods (MCC 5131), Men’s, Women’s, and Children’s Uniforms and Commercial Clothing (MCC 5137), Commercial Footwear (MCC 5139), Chemicals and Allied Products (MCC 5169), Books, Periodicals and Newspapers (MCC 5192), Florist Supplies, Nursery Stock and Flowers (MCC 5193), Paints, Varnishes and Supplies (MCC 5198), Nondurable Goods (MCC 5199), Insurance Sales, Underwriting, and Premiums (MCC 6300), Advertising Services (MCC 7311), Commercial Photography, Art, and Graphics (MCC 7333), Cleaning, Maintenance, and Janitorial Services (MCC 7349), Employment Agencies and Temporary Help Services (MCC 7361), Computer Programming, Data Processing, and Integrated Systems Design Services (MCC 7372), Information Retrieval Services (MCC 7375), Computer Maintenance, Repair and Services (MCC 7379), Management, Consulting, and Public Relations Services (MCC 7392), Business Services (MCC 7399), Motion Picture and Video Tape Production and Distribution(MCC 7829), Testing Laboratories (Non-Medical Testing) (MCC 8734), Accounting, Auditing, and Bookkeeping Services (MCC 8931), and Professional Services (MCC 8999). • Signature Preferred Credit • Infinite10 Credit 1 Must be CPS qualified7 for CPS/Retail, CPS/Supermarket, CPS/ Retail Key Entry, CPS/Small Ticket, CPS/Card Not Present, CPS/ECommerce Basic, CPS/E-Commerce Preferred or CPS/Account Funding. 1 Standard Signature Preferred / Infinite - Fuel Eligible: Automated Fuel Dispenser (MCC 5542), Service Station (MCC 5541). • Signature Preferred Credit • Infinite10 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 1 Must be CPS qualified7 for CPS/Automated Fuel Dispenser or CPS/Retail Service Station. 21 1 Standard Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Signature / Signature Preferred / Infinite - Electronic Eligible: Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Signature/Infinite Credit • Signature Preferred Credit • Infinite10 Credit 1 Must be CPS qualified7 for CPS/Restaurant, CPS/E-Commerce Basic, CPS/Card Not Present, CPS/Retail Key Entered, CPS/Car Rental Card Present, Card Not Present, E-Commerce, CPS/Hotel Card Present, Card Not Present, E-Commerce or CPS/Passenger Transport Card Present, Card Not Present, E-Commerce. 1 Standard Electronic Interchange Reimbursement Fee (EIRF) Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967). • Consumer Credit/Rewards/Signature Credit 1 Swipe or key-enter transaction, obtain signature2 when the transaction is face-to-face. 1 N/A • Non-Regulated Consumer Debit Debit 2 Obtain and pass 1 valid electronic authorization.3 Authorize sale through terminal/software or telephone. 2 Standard • Non-Regulated Consumer Prepaid Debit 3 Authorize and create a sale within 1 day and settle within 2 days. 3 Standard • Regulated Consumer Debit/Consumer Prepaid Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 22 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Electronic Interchange Reimbursement Fee (EIRF) Fuel Cap Eligible: Service Station (MCC 5541), Automated Fuel Dispenser (MCC 5542). • Consumer Credit/Rewards/Signature Credit 1 Swipe or key-enter transaction, obtain signature2 when the transaction is face-to-face. 1 N/A • Non-Regulated Consumer Debit/Non-Regulated Prepaid Debit 2 Obtain and pass 1 valid electronic authorization.3 Authorize sale through terminal/software or telephone. 2 Standard 3 Authorize and create a sale within 1 day and settle within 2 days. 3 Standard Standard Eligible: All merchant segments. • Consumer Credit/Rewards Credit 1 Swipe or key-enter transaction, obtain signature2 when the transaction is face-to-face. 1 N/A • Signature/Infinite Credit 2 Electronic authorization not required. 2 N/A • Signature Preferred Credit 3 Settle within 29 days. 3 N/A • Infinite10 Credit 4 Only level available for high-risk merchants and non-secure E-Commerce transactions. 4 N/A • Non-Regulated Consumer Debit Debit 5 Signature Preferred cap only available to Service Station (MCC 5541) and Automated Fuel Dispenser (MCC 5542). 5 N/A • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Prepaid Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 23 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. GSA Purchasing Card Large Ticket Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • GSA Purchasing Card Credit 1 Transaction must be greater than $5,984.61 1 Commercial Card Level III • Regulated Commercial Prepaid/Business Debit Debit 2 Pass Level II and Level III Data.9 2 Commercial-Retail, Card Not Present or Business-toBusiness 3 Must be CPS qualified7 for CPS/Retail, CPS/Retail Key Entry, CPS/ Retail Service Station, CPS/Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred. 3 Commercial Electronic with Data Purchasing Card Large Ticket Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Purchasing Card-Non GSA Credit 1 Settle within 7 days. 1 Commercial Electronic • Purchasing Card-Non GSA Prepaid Debit 2 Purchasing Card-Non GSA transaction greater than or equal to $8,725. 2 Commercial Level III • Regulated Commercial Prepaid Debit 3 3 Commercial Prepaid Card Not Present www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. Purchasing Card-Non GSA Prepaid transaction greater than or equal to $2,908. 4 Must Pass Level II and Level III Data.9 4 Commercial-Retail, Card Not Present or Business-toBusiness 5 Purchasing Card-Non GSA must be CPS qualified7 for CPS/Retail, CPS/Retail Key Entry, CPS/Supermarket, CPS/Retail Service Station, CPS/Card Not Present, CPS/E-Commerce Basic or CPS/E-Commerce Preferred. 5 Commercial Electronic with Data 6 Purchasing Card-Non GSA Prepaid must be CPS qualified7 for CPS/Card Not Present, CPS/E-Commerce Basic or CPS/ECommerce Preferred. 6 Commercial Prepaid Retail or Standard 24 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Large Purchase Advantage 1, 2, 3 and 4 Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Purchase Advantage 1 Credit 1 Settle within 7 days. 1 Transaction reject • Purchase Advantage 2 Credit 2 For Purchase Advantage 1 transaction amount must be $10,000.01 to $25,000. For Purchase Advantage 2 transaction amount must be $25,000.01 to $100,000. For Purchase Advantage 3 transaction amount must be $100,000.01 to $500,000. For Purchase Advantage 4 transaction amount must be greater than $500,000. 2 Commercial Card Not Present or Commercial Business-to-Business • Purchase Advantage 3 Credit 3 Must be CPS qualified7 for CPS/Card Not Present, CPS/ECommerce Basic or CPS/E-Commerce Preferred. 3 Transaction reject • Purchase Advantage 4 Credit Commercial Card Level III Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Purchasing Card/GSA Purchasing Card/GSA Fleet Credit 1 Must Pass Level III Data.9 1 Commercial-Retail, Card Not Present or Business-toBusiness • Corporate Credit 2 Must be CPS qualified7 for CPS/Retail, CPS/Small Ticket, CPS/ Retail Key Entry, CPS/Supermarket, CPS/Retail Service Station, CPS/AFD, CPS/Card Not Present, CPS/E-Commerce Basic, CPS/E-Commerce Preferred or CPS/Account Funding (Purchase only). 2 Commercial Electronic with Data • Regulated Commercial Prepaid/Business Debit Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 25 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Card Level II Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Corporate Credit 1 Must be CPS qualified7 for CPS/Retail, CPS/Small Ticket, CPS/ Retail Key Entry, CPS/Supermarket, CPS/Retail Service Station, CPS/AFD, CPS/Card Not Present, CPS/E-Commerce Basic, CPS/E-Commerce Preferred or CPS/Account Funding. AVS4 required for Business cards only. 1 Commercial Electronic or Commercial Standard • Business/Signature Business/Business Enhanced Credit 2 Must pass Level II Data.9 2 Commercial-Retail, Card Not Present or Business-toBusiness • Purchasing Credit • Regulated Commercial Prepaid/Business Debit Debit Commercial - Card Not Present Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Corporate Credit 1 Must be CPS qualified7 for CPS/Card Not Present, CPS/ECommerce Basic, CPS/E-Commerce Preferred or CPS/Account Funding. 1 Commercial Standard • Business Credit 2 Level II data9 requirements are not met including tax-exempt transactions. 2 N/A • Purchasing Credit • Signature Business Credit • Business Enhanced Credit • Regulated Commercial Prepaid/Business Debit Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 26 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial - Retail Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Corporate Credit 1 Must be CPS qualified7 for CPS/Retail, CPS/Supermarket, CPS/Retail Key Entry, CPS/Small Ticket, CPS/Automated Fuel Dispenser, or CPS/Retail Service Station. 1 Commercial Standard • Business Credit 2 Level II data9 requirements are not met including tax-exempt transactions. 2 N/A • Purchasing Credit • Signature Business Credit • Business Enhanced Credit • Regulated Commercial Prepaid/Business Debit Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 27 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial - Business-to-Business Eligible: Business-to-Business - Landscaping and Horticultural Services (MCC 780), Special Trade Contractors (MCC 1799), Miscellaneous Publishing and Printing (MCC 2741), Typesetting, Plate Making and Related Services (MCC 2791), Specialty Cleaning, Polishing and Sanitation Preparations (MCC 2842), Motor Freight Carriers and Trucking (MCC 4214), Office and Commercial Furniture (MCC 5021), Construction Materials (MCC 5039), Photographic, Photocopy, Microfilm Equipment and Software (MCC 5044), Commercial Equipment (MCC 5046), Medical, Dental, Ophthalmic and Hospital Equipment and Supplies (MCC 5047), Metal Service Centers and Offices (MCC 5051), Electrical Parts and Equipment (MCC 5065), Plumbing and Heating Equipment and Supplies (MCC 5074), Industrial Supplies (MCC 5085), Durable Goods (MCC 5099), Piece Goods, Notions, and Other Dry Goods (MCC 5131), Men’s, Women’s, and Children’s Uniforms and Commercial Clothing (MCC 5137), Commercial Footwear (MCC 5139), Chemicals and Allied Products (MCC 5169), Books, Periodicals and Newspapers (MCC 5192), Florist Supplies, Nursery Stock and Flowers (MCC 5193), Paints, Varnishes and Supplies (MCC 5198), Nondurable Goods (MCC 5199), Insurance Sales, Underwriting, and Premiums (MCC 6300), Advertising Services (MCC 7311), Commercial Photography, Art, and Graphics (MCC 7333), Cleaning, Maintenance, and Janitorial Services (MCC 7349), Employment Agencies and Temporary Help Services (MCC 7361), Computer Programming, Data Processing, and Integrated Systems Design Services (MCC 7372), Information Retrieval Services (MCC 7375), Computer Maintenance, Repair and Services (MCC 7379), Management, Consulting, and Public Relations Services (MCC 7392), Business Services (MCC 7399), Motion Picture and Video Tape Production and Distribution(MCC 7829), Testing Laboratories (Non-Medical Testing) (MCC 8734), Accounting, Auditing, and Bookkeeping Services (MCC 8931), and Professional Services (MCC 8999). • Corporate Credit 1 Must be CPS qualified7 for CPS/Retail, CPS/Supermarket, CPS/Retail Key Entry, CPS/Small Ticket, CPS/Automated Fuel Dispenser, CPS/Retail Service Station, CPS/Card Not Present, CPS/E-Commerce Basic, CPS/E-Commerce Preferred or CPS/ Account Funding. 1 Commercial Standard • Business Credit 2 Level II data9 requirements are not met including tax-exempt transactions. 2 N/A • Purchasing Credit • Signature Business Credit • Business Enhanced Credit • Regulated Commercial Prepaid/Business Debit Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 28 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Business Debit / Commercial Prepaid - Retail Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967). • Non Regulated Business Debit Debit • Non Regulated Commercial Prepaid Debit • Regulated Business Debit/Commercial Prepaid Debit 1 Must be CPS qualified7 for CPS/Retail, CPS/Supermarket, CPS/Retail Key Entry, CPS/Small Ticket, CPS/Automated Fuel Dispenser, CPS/Retail Service Station, CPS/Restaurant, CPS/Car Rental Card Present, CPS/Hotel Card Present or CPS/Passenger Transport Card Present. 1 Business Debit / Commercial Prepaid Card Not Present 1 Must be CPS qualified7 for CPS/Card Not Present, CPS/ECommerce Basic, CPS/E-Commerce Preferred, CPS/Hotel Card Not Present, CPS/Hotel E-Commerce, CPS/Car Rental Card Not Present, CPS/Car Rental E-Commerce, CPS/Passenger Transport Card Not Present or CPS/Passenger Transport E-Commerce. 1 Business Debit / Commercial Prepaid Standard 1 CPS requirements are not met. 1 N/A Business Debit / Commercial Prepaid - Card Not Present Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967). • Non Regulated Business Debit Debit • Non Regulated Commercial Prepaid Debit • Regulated Business Debit/Commercial Prepaid Debit Business Debit / Commercial Prepaid - Standard Eligible: All merchant segments. • Non Regulated Business Debit Debit • Non Regulated Commercial Prepaid Debit • Regulated Business Debit Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 29 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial - Electronic Not Eligible: Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Corporate Credit 1 CPS requirements are not met. 1 N/A • Purchasing Credit 2 Must pass Level II Data.9 2 Commercial Standard • Non Regulated Commercial Prepaid Debit 3 Business, Signature Business and Business Enhanced cards are no longer eligible for Commercial Electronic rates. 3 Commercial Standard • Regulated Commercial Prepaid/Business Debit Debit Commercial - Electronic T&E Eligible: Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Business Credit • Signature Business Credit • Business Enhanced Credit • Regulated Commercial Prepaid/Business Debit Debit 1 Must be CPS qualified7 for CPS/Restaurant, CPS/Car Rental Card Present, Card Not Present, E-Commerce, CPS/Hotel Card Present, Card Not Present, E-Commerce or CPS/Passenger Transport Card Present, Card Not Present, E-Commerce. 1 Commercial Standard Commercial - Travel Services Eligible: Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Corporate Credit • Purchasing Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 1 Must be CPS qualified7 for CPS/Restaurant, CPS/Car Rental Card Present, Card Not Present, E-Commerce, CPS/Hotel Card Present, Card Not Present, E-Commerce or CPS/Passenger Transport Card Present, Card Not Present, E-Commerce. 30 1 Commercial Standard Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial - Electronic with Data Not Eligible: High Risk Direct Marketing (MCC 5962, 5966, 5967) or Travel and Entertainment - Restaurants (MCC 5812, 5814), Hotels (MCC 3519-3828, 7011), Car Rentals (MCC 3351-3518, 7512), Passenger Transport (MCC 3000-3299, 4511, 4112), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • Purchasing Card-Non GSA Credit 1 CPS requirements are not met. 1 N/A • Corporate Credit 2 Must pass Level III Data.9 2 Commercial Electronic • Non Regulated Commercial Prepaid Debit • Regulated Commercial Prepaid/Business Debit Debit Commercial Standard Eligible: All merchant segments. • Corporate Credit 1 Settle within 29 days. 1 N/A • Business/Signature Business/Business Enhanced Credit 2 Level II data9 requirements are not met including tax-exempt transactions. 2 N/A • Purchasing Credit 3 CPS requirements are not met. 3 N/A Debit 1 Available to US merchants accepting regulated debit and prepaid cards issued from the following US territories: American Samoa, Guam, Northern Mariana Islands, US Minor Outlying Islands, Puerto Rico and US Virgin Islands. 1 NA Credit 1 Applies to US merchants and Non US Issuers. 1 N/A Interregional Debit Regulated11 Eligible: All merchant segments. • Regulated Consumer Debit/Consumer Prepaid/ Commercial Prepaid/Business Debit Interregional Commercial11 Eligible: All merchant segments. • Commercial-Non US Issued www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 31 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Interregional Premium11 Eligible: All merchant segments. • Platinum-Non US Issued/Infinite-Canadian Issued Credit 1 Applies to US merchants and Non US Issuers. 1 N/A Credit 1 Applies to US merchants and Non US Issuers. 1 N/A Credit 1 Applies to US merchants and Non US Issuers. 1 N/A 2 Swipe card, obtain customer's signature.2 2 Interregional Standard 3 Obtain and pass 1 valid electronic authorization.3 3 Interregional Standard 4 Settle within 2 days. 4 Interregional Standard 1 Applies to US merchants and Non US Issuers. 1 N/A 2 POS Entry Mode equal "90" or "91". 2 Interregional Standard 3 Authorize and settle within 2 days. 3 Interregional Standard 4 Obtain and pass 1 valid electronic authorization.3 4 Interregional Standard Interregional Super Premium11 Eligible: All merchant segments. • Signature-Non US Issued/Infinite-Non US or Canada Issued Interregional Electronic11 Eligible: All merchant segments. • Consumer-Non US Issued Interregional Issuer Chip11 Eligible: All merchant segments. • Consumer-Non US Issued www.wellsfargo.com/biz/qualmatrix Credit © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 32 Qualification Matrix - October 2014 QM Visa® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Interregional Airline11 Eligible: Airlines (MCC 3000-3299, 4511). • Consumer-Non US Issued Credit 1 Obtain and pass 1 valid electronic authorization.3 1 Interregional Standard 2 Applies to US merchants and Non US Issuers. 2 N/A 3 Settle within 14 days. 3 Interregional Standard 4 Ticket number must be in merchant name field. 4 Interregional Standard 1 Applies to US merchants and Non US Issuers. 1 N/A 2 Obtain and pass 1 valid electronic authorization.3 2 Interregional Standard 3 E-Commerce Indicator of a “5” must be present. 3 Interregional Standard 4 POS Entry Mode "01". 4 Interregional Standard 1 Applies to US merchants and Non US Issuers. 1 N/A Interregional E-Commerce11 and Secure E-Commerce11 Eligible: All merchant segments. • Consumer-Non US Issued Credit Interregional Standard11 Eligible: All merchant segments. • Consumer-Non US Issued www.wellsfargo.com/biz/qualmatrix Credit © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 33 Qualification Matrix - October 2014 QM Visa® Interchange Programs n = New Program or Qualification l = MCC Change Visa Footnotes 1 The numeric bullet point in the “Primary Qualification Criteria” column corresponds to the numeric bullet point in the “Next Interchange Program Logic” column within the same row. This column lists the next possible Interchange program when the qualifying criteria is not met. For example, when looking at numeric bullet point 1 under CPS Retail “”Primary Qualification Criteria”” column - Swipe card, obtain customer’s signature - if a transaction is not swiped and is key-entered then the next downgrade interchange program would be Retail Key-Entered or Card Not Present when looking at the corresponding numeric bullet point in the “”Next Interchange Program Logic”” column. 2 If transaction is $25 or less no signature required for all MCCs except Wire Transfer Money Orders (MCC 4829), Automated Fuel Dispensers (MCC 5542), Direct Marketing-Insurance Services (MCC 5960), Direct Marketing-Travel Related Arrangement Services (MCC 5962), Direct Marketing-Catalog Merchants (MCC 5964), Direct Marketing-Combination Catalog and Retail Merchants (MCC 5965), Direct Marketing-Outbound Telemarketing Merchants (MCC 5966), Direct Marketing-Inbound Telemarketing Merchants (MCC 5967), Direct Marketing-Continuity Subscription Merchants (MCC 5968), Direct Marketing/Marketers Not Elsewhere Classified (MCC 5969), Financial Institutions-Manual Cash Disbursements (MCC 6010), Financial Institutions-Automated Cash Disbursements (MCC 6011), Financial Institution-Merchandise and Services (MCC 6012), Betting including Lottery Tickets, Casino Gaming Chips, Off-Track Betting (MCC 7995), Intra-Government Purchases (MCC 9405), or Intra-Company Purchases (MCC 9950). For Discount Stores (MCC 5310) and Supermarkets (MCC 5411) transaction amount limit is $50. 3 Valid electronic authorization is obtained through a terminal or software. When an electronic authorization is obtained, all required authorization data & qualifying criteria must be present at settlement, including validation code, transaction id, auth date, etc. 4 Equipment must be programmed to use the Address Verification Service (AVS). 5 Bill payment transactions that do not have health or select developing market MCCs must send a Market Specific Indicator (MSI) of “B”, ACI of “Y”, processing code of “50” and MO/TO indicator of “01” for one-time payment , “02” for recurring payment and “03” for installment payment. E-Commerce Bill Payment transactions that do not have health or select developing market MCCs must send a Market Specific Indicator (MSI) of “B”, ACI of “Y”, processing code of “50” and MO/TO indicator of “5”, “6” or “7”. 6 If the settled amount is over the tolerance from the initial authorized amount a reversal needs to be performed. A merchant must call the issuing bank and ask for the authorization to be reversed or submit an electronic reversal to prevent impact to the cardholder's credit line. 7 CPS qualified - Must provide primary qualification criteria for a CPS Interchange progam above, in addition to the primary qualification criteria for interchange program trying to achieve. The following transaction types are excluded from CPS Interchange programs: Non-Secure E-Commerce transactions (ECI=8), Cash Disbursements, Quasi-cash transactions processed using a non-face-to-face CPS program on consumer debit, consumer prepaid, commercial prepaid, and business debit cards and Quasi-cash transactions on consumer credit or commercial credit products, transactions from High Risk MCCs (5962, 5966 and 5967), transactions from Self-Service or Automated Dispensing Machines (except AFD transactions (MCC 5542) and Small Ticket), declines and referrals. 8 Travel & Entertainment (T&E) includes Restaurants, Hotels, Car Rentals, Passenger Transport, Cruise Lines, and Travel Agents. 9 Level II Data requires a valid sales tax amount and tax indicator. Level II customer code only required for Purchasing Card Large Ticket, GSA Purchasing Card Large Ticket, and Purchasing Card transactions from fuel MCCs: 4468, 5499, 5541, 5542, and 5983. Sales tax must be between 0.1% and 22%. If tax exempt ($0 entered as tax amount or blank) transaction will clear at Visa Retail (Corporate/Business/Purchase), Card Not Present (Corporate/Business/Purchase) or Business-to-Business (Corporate/Business/Purchase). Level III Data is line item detail, which includes item description, item quantity, item unit of measure, item freight / shipping amount, item commodity code, item discount amount, duty amount, product code, unit cost, discount per line item and line item total. Equipment must be programmed to recognize Commercial/Corporate Cards. Fleet Purchasing, GSA Purchasing and Purchasing cards for fuel transactions, fuel data is required. Visa Fuel Data Requirements includes business format code, type of purchase, fuel type, unit of measure, quantity, gross fuel price and miscellaneous fuel tax exemption status. 10 Visa Spend Qualified Indicator (SQI) determined that the Infinite cardholder has exceeded the defined annual spend requirement of $50,000. 11 Visa Interregional interchange programs include the Visa International Acquiring Fee (0.45%). www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 34 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Merit III Not Eligible: Mail Order/Telephone Order (MCC 5960, 5962, 5964-5969), Lodging (MCC 3501-3999, 7011), Car Rental (MCC 3351-3500, 7512, 7513, 7519), and Cruise Lines (MCC 4411). • Consumer Credit Credit 1 Swipe card, obtain customer’s signature.2 1 Merit I or Key Entered • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Authorize and settle within 1 day. 3 Merit I • Enhanced Credit 4 Beauty Salon (MCC 7230) have 25% tolerance. Taxicabs & Limousines (MCC 4121), Restaurants (MCC 5812), Fast Food Restaurants (MCC 5814) and Bars (MCC 5813) are exempt from transaction tolerance. All others have a 10% tolerance. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match. 5 Standard • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 35 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Merit I Not Eligible for Debit: Insurance-Direct Marketing (MCC 5960), Insurance Sales, Underwriting and Premiums (MCC 6300), and Real Estate Agents and Managers-Rentals (MCC 6513). • Consumer Credit Credit 1 Key-entered transaction. 1 Merit III • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Settle within 2 days. 3 Standard • Enhanced Credit 4 Beauty Salons (MCC 7230) have 25% tolerance. Restaurants (MCC 5812), Fast Food Restaurants (MCC 5814), Bars (MCC 5813), Taxicabs & Limousines (MCC 4121), and transactions where the Five E-Commerce Indicators4 are present in auth and clearing, are exempt from transaction tolerance. All others have a 10% tolerance. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match. 5 Standard • Non-Regulated Consumer Debit Debit • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 36 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Key Entered Not Eligible: Airlines (MCC 3000-3299, 4511), Railways (MCC 4112), Vehicle Rental (MCC 3351-3500, 7512, 7513, 7519), Lodging (MCC 3501-4010, 7011), Transportation (4011, 4111, 4112, 4131, 4411, 4722, 4784, 7523), Quasi Cash (MCC 4829, 6010, 6011, 6012, 6051, 7511, 7995), Other Services (MCC 0742, 0763, 0780-1799, 2741, 2791, 2842, 4119,4214-4225, 4582, 4789, 4812-4815, 4816-4821, 4899, 4900, 5039, 5044-5047, 5051, 5074, 5962, 5975, 5976, 5983, 6022-6028, 6211- 6611, 7012, 7032, 7033, 7210-7275, 7276, 7277, 7278, 7295-7394, 7399, 7542-7699, 7829, 7832-7994, 7996-7999, 8011-8099, 8111, 8211-8299, 8351, 8398-8699, 8734, 8911, 8931, 8999, 9211, 9222-9411), Direct Marketing (MCC 5960, 5962, 5964-5969), AFD (5542), and Travel Agencies (MCC 4722). • Consumer Credit Credit 1 Key-entered transaction. 1 Merit III • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Settle within 1 day. 3 Merit I • Enhanced Credit 4 Restaurants (MCCs 5812, 5814) and Bars (MCC 5813) are exempt from transaction tolerance. All others can settle within 10%. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match. 5 Standard • Non-Regulated Consumer Debit Debit • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 37 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Merit I E-Commerce Not Eligible: Real Estate Agents and Managers - Rentals (MCC 6513), Direct Marketing - Insurance Services (MCC 5960), and Insurance Sales, Underwriting and Premiums (MCC 6300). • Consumer Credit Credit 1 Key-entered transaction. 1 N/A • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Settle within 2 days. 3 Standard • Enhanced Credit 4 Beauty Salons (MCC 7230) have 25% tolerance. Restaurants (MCC 5812), Fast Food Restaurants (MCC 5814), Bars (MCC 5813), Taxicabs & Limousines (MCC 4121), and transactions where the Five E-Commerce Indicators4 are present in auth and clearing, are exempt from transaction tolerance. All others have a 10% tolerance. 4 Standard • High Value Credit 5 E-Commerce transactions must include Card Activated Terminal (CAT) level 6 in settlement. 5 Merit I • Non-Regulated Consumer Debit Debit 6 Authorization and settlement MCC must match. 6 Standard • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 38 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Merit I Insurance Eligible: Direct Marketing - Insurance Services (MCC 5960), Insurance Sales, Underwriting and Premiums (MCC 6300). • Consumer Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Settle within 2 days. 3 Standard • Enhanced Credit 4 10% transaction tolerance. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match. 5 Standard Merit I Real Estate Eligible: Real Estate Agents and Managers - Rentals (MCC 6513). • Consumer Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Settle within 2 days. 3 Standard • Enhanced Credit 4 10% transaction tolerance. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match. 5 Standard • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 39 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Merit I Consumer Loans n Eligible: Quasi Cash (MCC 6051). • Non-Regulated Consumer Debit/Prepaid Debit 1 Must be registered with MasterCard with valid MasterCard Assigned ID (MAID) on account. 1 N/A • Regulated Consumer Debit/Prepaid Debit 2 Key-entered transaction. 2 Merit III • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit 3 Obtain and pass 1 valid electronic authorization.3 3 Standard 4 Settle within 2 days. 4 Standard 5 10% transaction tolerance. 5 Standard 6 Authorization and settlement MCC must match. 6 Standard Merchant Universal Cardholder Authentication Field (UCAF) - “SecureCode” Not Eligible: Insurance-Direct Marketing (MCC 5960), Insurance Sales, Underwriting and Premiums (MCC 6300), Utility (MCC 4900), Real Estate (MCC 6513), Lodging (MCC 3501-3999, 7011), Car Rental (MCC 3351-3500, 7512, 7513, 7519), Cruise Lines (MCC 4411), and AFD (MCC 5542). • Consumer Credit Credit 1 Key enter transaction. 1 Merit III • World Card Credit 2 Merchant is enrolled in UCAF and cardholder is not. 2 N/A • World Elite Credit 3 Settle within 1 day. 3 Merit I • Enhanced Credit 4 Internet transactions must include UCAF Collection Indicator of “1” and a CAT level of “6”. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match with the exception of Travel Agencies (MCC 4722) or Airlines (MCC 4511). 5 Standard • Consumer Credit/Debit-Non US Issued Credit 6 The approval code in the clearing transaction must exactly match the approval code in the authorization log record except when the Issuer failed to return a valid approval code, or when the “Refer to Card Issuer” response is received. 6 Standard • Consumer Premium - Non US Issued Credit 7 Obtain and pass 1 valid electronic authorization.3 7 Standard • Consumer Super Premium - Non US Issued Credit 8 Security Code Indicator/Security Protocol Indicating merchant participating. 8 Standard • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 40 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Full Universal Cardholder Authentication Field (UCAF) - “SecureCode” Not Eligible: Insurance-Direct Marketing (MCC 5960), Insurance Sales, Underwriting and Premiums (MCC 6300), Utility (MCC 4900), Real Estate (MCC 6513), Lodging (MCC 3501-3999, 7011), Car Rental (MCC 3351-3500, 7512, 7513, 7519), Cruise Lines (MCC 4411), and AFD (MCC 5542). • Consumer Credit Credit 1 Key enter transaction. 1 Merit III • World Card Credit 2 Merchant is enrolled in UCAF and transaction is fully authenticated by the cardholder entering his/her SecureCode. 2 N/A • World Elite Credit 3 Settle within 1 day. 3 Merit I • Enhanced Credit 4 Internet transactions must include UCAF Collection Indicator of “2” and a CAT level of “6”. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match with the exception of Travel Agencies (MCC 4722) or Airlines (MCC 4511). 5 Standard • Consumer Credit/Debit-Non US Issued Credit 6 The approval code in the clearing transaction must exactly match the approval code in the authorization log record except when the Issuer failed to return a valid approval code, or when the “Refer to Card Issuer” response is received. 6 Standard • Consumer Premium - Non US Issued Credit 7 Obtain and pass 1 valid electronic authorization.3 7 Standard • Consumer Super Premium - Non US Issued Credit 8 Security Code Indicator/Security Protocol Indicating merchant participating. 8 Standard • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 41 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Public Sector Eligible: Courts (MCC 9211), Fines (MCC 9222), Bail Bonds (MCC 9223), Taxes (MCC 9311), Government not elsewhere classified (MCC 9399), Transportation (MCC 4111), Passenger Railways (MCC 4112), Bridge/Road Fees & Tolls (MCC 4784), and Postal Services-Government only (MCC 9402). • Consumer Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Authorize and settle within 2 days. 3 Standard • Enhanced Credit 4 Authorization and settlement MCC must match. 4 Standard • High Value Credit 5 Can settle within 10% of authorized amount. 5 Standard 6 Passenger Railways (MCC 4112) must include Passenger Name, Ticket Number, Issuing Carrier and Itinerary Data in settlement.6 6 Standard Supermarket Eligible: Supermarkets (MCC 5411). • Consumer Credit Credit 1 Swipe card, obtain customer’s signature.2 1 Merit I or Key Entered • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Merit I • World Elite Credit 3 Authorize and settle within 1 day. 3 Standard • Enhanced Credit 4 Can settle within 10% of authorized amount. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match. 5 Standard • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 42 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Convenience Base Eligible: Movie Theaters (MCC 7832), Fast Food Restaurants (MCC 5814), Misc. Food Stores (MCC 5499), Taxicabs & Limousines (MCC 4121), and Variety Stores (MCC 5331). • Consumer Credit Credit 1 Swipe card or customer initiates a Card Activated Terminal (CAT), obtain customer’s signature2 when the transaction is face-to-face. If transaction is under $25 no signature required. 1 Merit I or Key Entered • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Authorize and settle within 1 day. 3 Merit I • Enhanced Credit 4 Require a CAT Level of “7” or space for Cardholder Activated Terminals. 4 Merit III • High Value Credit 5 $25.00 transaction limit for Taxicabs & Limousines (MCC 4121). 5 Merit III 6 Misc. Food Stores (MCC 5499) and Movie Theaters (MCC 7832) can settle within 10% of the authorized amount for transactions over $10.00. Fast Food Restaurants (MCC 5814) and Taxicabs & Limousines (MCC 4121) are exempt from transaction tolerance. 6 Standard 7 Authorization and settlement MCC must match. 7 Standard Passenger Transport Eligible: Airlines (MCCs 3000-3299, 4511), Passenger Railways (MCC 4112). • Consumer Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • Enhanced Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • Non-Regulated Consumer Debit/Prepaid Debit 3 Settle within 8 days. 3 Standard • Regulated Consumer Debit/Prepaid Debit 4 Transaction must include Passenger Name, Ticket Number, Issuing Carrier and Itinerary Data in settlement.6 4 Standard • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 43 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Petroleum Eligible: Service Stations (MCC 5541), Fuel Dispensers, Automated (MCC 5542). • Consumer Credit Credit 1 Swipe card, obtain customer’s signature.2 1 Merit I • World Card Credit 2 Authorize and settle within 1 day. 2 Merit I • World Elite Credit 3 Obtain and pass 1 valid electronic authorization.3 3 Standard • Enhanced Credit 4 MCC 5542 Magnetic Stripe read requires CAT Level of '1' or '2'. Transponder read requires CAT Level of '7'. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match. 5 Standard • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 44 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Utility Eligible: Utility-Water, Gas, Electric, Sanitation (MCC 4900). • Consumer Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Authorize and settle within 1 day. 3 Merit I • Enhanced Credit 4 Can settle within 10% of authorized amount. 4 Standard • High Value Credit 5 Authorization and settlement MCC must match. 5 Standard • All Business Products Credit • Non-Regulated Consumer Debit Debit • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 45 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Lodging / Auto Rental Eligible: Lodging (MCC 3501-3999, 7011), Car Rental (MCC 3351-3500, 7512, 7513, 7519), and Cruise Lines (MCC 4411). • Consumer Credit Credit 1 Swipe or Key-enter transaction on subsequent stays with signature on file. 1 N/A • Enhanced Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • Non-Regulated Consumer Debit/Prepaid Debit 3 Settle within 1 day. 3 Merit I • Regulated Consumer Debit/Prepaid Debit 4 Transaction must include settlement detail addendum. 4 Merit I • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit 5 Authorization and settlement MCC must match. 5 Standard • Consumer Credit Credit 1 Key-enter transaction. 1 Merit III • World Card Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • World Elite Credit 3 Authorize and settle within 1 day. 3 Merit I • Enhanced Credit 4 Can settle within 10% of authorized amount. 4 Standard • High Value Credit 5 Recurring Payments indicator must be present. 5 Merit I • Non-Regulated Consumer Debit/Prepaid Debit 6 Authorization and settlement MCC must match. 6 Standard • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit Service Industries Incentive Program (SIIP) Eligible: Cable & Telecommunication (MCC 4814, 4899). www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 46 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Charity Eligible: Charitable and Social Service Organizations (MCC 8398). • Consumer Credit/World/World Elite/Enhanced/High Value Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • Commercial Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • Non-Regulated Consumer Debit/Prepaid Debit 3 Authorize and settle within 2 days. 3 Standard • Non-Regulated Commercial Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit Emerging Market Eligible: Government (MCC 9211, 9222, 9223, 9311, 9399), Schools (MCC 8211, 8220, 8299), Utilities (MCC 4899), Insurance (MCC 6300, 5960), Transportation (MCC 4111), Passenger Railways (MCC 4112), Bridge & Road Fees/Tolls (MCC 4784), and Postal Services-Government only (MCC 9402). • Non-Regulated Consumer Debit/Prepaid Debit 1 Swipe or key-enter transaction, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • Regulated Consumer Debit/Prepaid Debit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit 3 Authorize and settle within 2 days. 3 Standard 4 Authorization and settlement MCC must match. 4 Standard 5 Can settle within 10% of authorized amount. 5 Standard 6 Passenger Railways (MCC 4112) must include Passenger Name, Ticket Number, Issuing Carrier and Itinerary Data in settlement.6 6 Merit I or Standard www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 47 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Restaurant Eligible: Restaurants (MCC 5812). Eligible for Debit Only: Fast Food Restaurants (MCC 5814). • Restaurant-World Credit 1 World, World Elite and High Value require a transaction amount equal to or less than $60.00. 1 Travel and Entertainment • Restaurant-World Elite Credit 2 Swipe card, obtain customer’s signature.2 2 Merit I or Key Entered • Restaurant-High Value Credit 3 Authorize and settle within 1 day. 3 Merit I • Non-Regulated Consumer Debit/Prepaid Debit 4 Obtain and pass 1 valid electronic authorization.3 4 Standard • Regulated Consumer Debit/Prepaid Debit 5 Authorization and settlement MCC must match. 5 Standard • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit Small Ticket Eligible: Local Commuter Transport (MCC 4111), Taxicab & Limousine Service (MCC 4121), Parking Lots (MCC 7523), Video Rental (MCC 7841), Theaters (MCC 7832), Misc Food Stores (MCC 5499), Restaurants (MCC 5812), Fast Food Restaurants (MCC 5814), Bus Lines (MCC 4131), Bridge & Road Tolls (MCC 4784), News Dealers & Newsstands (MCC 5994), Laundry Services (MCC 7211), Dry Cleaners (MC 7216), Quick Copy, Reproduction & Blueprinting Services (MCC 7338), Car Washes (MCC 7542), Postal Services-Govt Only (9402), and Variety Stores (MCC 5331). Regulated Debit rates available to Fast Food Restaurants (MCC 5814), and Video Rental (MCC 7841). • Non-Regulated Consumer Debit/Prepaid Debit 1 Swipe card, obtain customer’s signature.2 1 Merit I or Key Entered • Regulated Consumer Debit/Prepaid Debit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • Regulated Consumer Debit/Prepaid w/ Fraud Adjustment Debit 3 Authorize and settle within 1 day. 3 Merit I 4 Restaurants (MCC 5812, 5814) and Taxicabs & Limousines (MCC 4121) are exempt from transaction tolerance, others can settle within 10%. 4 Standard 5 Non-Regulated debit transactions must be equal to or less than $15.00. Regulated debit transactions must be equal to or less than $10.00. 5 Merit III or Restaurant 6 Authorization and settlement MCC must match. 6 Standard www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 48 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Travel and Entertainment (T&E6) Eligible: Travel and Entertainment - Restaurants (MCC 5812), Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), Airlines (MCC 3000-3299, 4511), Cruise Lines (MCC 4411), and Travel Agents (MCC 4722). • World Card Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • World Elite Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • High Value Credit 3 Settle within 2 days, Hotels, Car Rental Agencies & Cruise Lines are exempt from timeliness edits. 3 Standard 4 Authorization and settlement MCC must match. 4 Standard 5 Vehicle Rental merchants must include the Rental Agreement number and Return Location ID. 5 Standard 6 MCC 5812 transaction must be greater than $60.00. 6 Restaurant Airline Eligible: Airlines (MCC 3000-3299, 4511). • World Card Credit 1 Swipe or key-enter transactions, obtain customer’s signature2 when the transaction is face-to-face. 1 N/A • World Elite Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Standard • High Value Credit 3 Settle within 2 days. 3 Standard 4 Transaction must include Passenger Name, Ticket Number, Issuing Carrier and Itinerary Data in settlement.6 4 Merit I or Standard 5 Authorization and settlement MCC must match. 5 Standard www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 49 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Consumer Standard Eligible: All merchant segments. • Consumer Credit Credit 1 Swipe or key-enter transaction, obtain customer signature2 when the transaction is face-to-face. 1 N/A • World Card Credit 2 Electronic authorization not required. 2 N/A • World Elite Credit 3 Settle within 29 days. 3 N/A • Enhanced Credit • High Value Credit • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Non Incentive POS Debit with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 50 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Large Ticket III Not Eligible: Travel and Entertainment - Restaurants (MCC 5812), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Swipe or key-enter transaction, obtain customer’s signature when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 1/Business Core - Lodging Credit 3 Settle within 1 day. 3 Commercial Data Rate II • Level 2/World Business Credit 4 For Commercial Large Ticket III transaction must be greater than $100,000. 4 Commercial Large Ticket II • Level 3/World Elite Business Credit 5 Can settle within 25% of the authorized amount. AFD (MCC 5542), Bars (MCC 5813), and Fast Food Restaurants (MCC 5814) are exempt from the tolerance test. 5 Commercial Standard • Level 4 Credit 6 Must pass Level II and III Data.7 6 Commercial Data Rate II • Non-Regulated Business Debit Debit 7 Authorization and settlement MCC must match. 7 Commercial Standard • Non-Regulated Business Debit - Lodging Debit 8 Fuel detail addendum data8 required for Fleet cards at Fuel merchants. Lodging Summary8 required for Hotel merchants. 8 Commercial Data Rate I • Regulated Commercial Debit/Prepaid Debit 9 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 9 N/A • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 51 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Large Ticket II Not Eligible: Travel and Entertainment - Restaurants (MCC 5812), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Swipe or key-enter transaction, obtain customer’s signature when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 1/Business Core - Lodging Credit 3 Settle within 1 day. 3 Commercial Data Rate II • Level 2/World Business Credit 4 Transaction must be greater than $25,000.00 but less than/equal to $100,000. 4 Commercial Large Ticket I • Level 3/World Elite Business Credit 5 Can settle within 25% of the authorized amount. AFD (MCC 5542), Bars (MCC 5813), and Fast Food Restaurants (MCC 5814) are exempt from the tolerance test. 5 Commercial Standard • Level 4 Credit 6 Must pass Level II and III Data.7 6 Commercial Data Rate II • Non-Regulated Business Debit Debit 7 Authorization and settlement MCC must match. 7 Commercial Standard • Non-Regulated Business Debit Lodging Debit 8 Fuel detail addendum data8 required for Fleet cards at Fuel merchants. Lodging Summary8 required for Hotel merchants. 8 Commercial Data Rate I • Regulated Commercial Debit/Prepaid Debit 9 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 9 N/A • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 52 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Large Ticket I Not Eligible: Travel and Entertainment - Restaurants (MCC 5812), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Swipe or key-enter transaction, obtain customer’s signature when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 1/Business Core - Lodging Credit 3 Settle within 1 day. 3 Commercial Data Rate II • Level 2/World Business Credit 4 Corporate, Business, Purchase, Fleet at Non Fuel, World Corporate, World Elite Corporate, World Business and World Elite Business transactions must be greater than $7,254.55 and less than/equal to $25,000. Fleet at Fuel transactions must be greater than $4,987.50 and less than/equal to $25,000. 4 Commercial Data Rate III • Level 3/World Elite Business Credit 5 Can settle within 25% of the authorized amount. AFD (MCC 5542), Bars (MCC 5813), and Fast Food Restaurants (MCC 5814) are exempt from the tolerance test. 5 Commercial Standard • Level 4 Credit 6 Must pass Level II and III Data.7 6 Commercial Data Rate II • Non-Regulated Business Debit Debit 7 Authorization and settlement MCC must match. 7 Commercial Standard • Non-Regulated Business Debit Lodging Debit 8 Fuel detail addendum data8 required for Fleet cards at Fuel merchants. Lodging Summary8 required for Hotel merchants. 8 Commercial Data Rate I • Regulated Commercial Debit/Prepaid Debit 9 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 9 N/A • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 53 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Payment Account 1, 2, 3, 4, and 5 Not Eligible: Travel and Entertainment - Restaurants (MCC 5812), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Commercial Payment Account 1 Credit 1 Key-enter transaction. 1 N/A • Commercial Payment Account 2 Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Commercial Payment Account 3 Credit 3 Settle within 2 days. 3 Commercial Standard • Commercial Payment Account 4 Credit 4 For Commercial Payment Account 1 transaction must be greater than $7,255.00 but less than/equal to $25,000. 4 Commercial Data Rate III • Commercial Payment Account 5 Credit 5 For Commercial Payment Account 2 transaction must be greater than $25,000.01 but less than/equal to $100,000. 5 Commercial Payment Account 1 6 For Commercial Payment Account 3 transaction must be greater than $100,000.01 but less than/equal to $500,000. 6 Commercial Payment Account 2 7 For Commercial Payment Account 4 transaction must be greater than $500,000.01 but less than/equal to $1,000,000. 7 Commercial Payment Account 3 8 For Commercial Payment Account 5 transaction must be greater than $1,000,000. 8 Commercial Payment Account 4 www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 54 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Data Rate III Not Eligible: Travel and Entertainment - Restaurants (MCC 5812), Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 2/World Business Credit 3 Settle within 2 days. 3 Commercial Standard • Level 3/World Elite Business Credit 4 Must pass Level II and Level III Data.7 4 Commercial Data Rate II • Level 4 Credit 5 Authorization and settlement MCC must match. 5 Commercial Standard • Non-Regulated Business Debit Debit 6 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 6 N/A • Regulated Commercial Debit/Prepaid Debit • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 55 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Data Rate II Not Eligible: Travel and Entertainment - Restaurants (MCC 5812), Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 2/World Business Credit 3 Settle within 2 days. 3 Commercial Standard • Level 3/World Elite Business Credit 4 Must pass Level II Data.7 4 Commercial Data Rate I • Level 4 Credit 5 Authorization and settlement MCC must match. 5 Commercial Standard • Non-Regulated Business Debit Debit 6 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 6 N/A • Regulated Commercial Debit/Prepaid Debit • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 56 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Data Rate II Petroleum Eligible: Marinas, Marine Services/Supplies (MCC 4468), Service Stations (MCC 5541), Fuel Dispenser, Automated (MCC 5542), Misc Food Stores (MCC 5499), Fuel Dealers - Coal, Fuel Oil, Liquefied Petroleum, Wood (MCC 5983), and U.K. Petrol Stations, Electronic Hot File (MCC 9752). • Large Market10 Credit 1 Swipe or Key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 2/World Business Credit 3 Settle within 2 days for Commercial Data Rate II. 3 Commercial Standard • Level 3/World Elite Business Credit 4 Must pass Level II Data.7 4 Commercial Data Rate I • Level 4 Credit 5 Authorization and settlement MCC must match. 5 Commercial Standard • Non-Regulated Business Debit Debit 6 MCC 5542 Magnetic Stripe read requires CAT Level of '1' or '2'. Transponder read requires CAT Level of '7'. 6 Commercial Standard • Regulated Commercial Debit/Prepaid Debit 7 Fuel detail addendum data8 required for Fleet cards. 7 Commercial Standard • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit 8 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 8 N/A www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 57 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Data Rate II Face-to-Face Not Eligible: Mail Order/Telephone Order (MCC 5960, 5962, 5964- 5969), Lodging (MCC 3501-3999, 7011), Car Rental (MCC 3351-3500, 7512, 7513, 7519), Fuel (MCC 5542), Restaurant (MCC 5812), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Swipe transaction; obtain customer's signature.2 1 Commercial Data Rate II • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 2/World Business Credit 3 Settle within 1 day. 3 Commercial Standard • Level 3/World Elite Business Credit 4 Must pass Level II Data.7 4 Commercial Data Rate I • Level 4 Credit 5 Authorization and settlement MCC must match. 5 Commercial Standard • Non-Regulated Business Debit Debit 6 Beauty Salons (MCC 7230) can settle within 25% of authorized amount. Fast Food Restaurants (MCC 5814), Bars (MCC 5813) and Taxicabs & Limousines (MCC 4121) are exempt from transaction tolerance. All others can settle within 10% of authorized amount. 6 Commercial Standard • Regulated Commercial Debit/Prepaid Debit 7 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 7 N/A • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 58 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Face-to-Face Petroleum Eligible: Marinas, Marine Services/Supplies (MCC 4468), Service Stations (MCC 5541), Fuel Dispenser, Automated (MCC 5542), Misc Food Stores (MCC 5499), Fuel Dealers - Coal, Fuel Oil, Liquefied Petroleum, Wood (MCC 5983), Truck Stop Transactions (MCC 7511), and U.K. Petrol Stations, Electronic Hot File (MCC 9752). • Large Market10 Credit 1 Swipe transaction; obtain customer's signature.2 1 Commercial Data Rate II Petroleum • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 2/World Business Credit 3 Settle within 1 day. 3 Commercial Standard • Level 3/World Elite Business Credit 4 Must pass Level II Data.7 4 Commercial Data Rate I • Level 4 Credit 5 Authorization and settlement MCC must match. 5 Commercial Standard • Non-Regulated Business Debit Debit 6 Can settle within 10% of authorized amount. 6 Commercial Standard • Regulated Commercial Debit/Prepaid Debit 7 MCC 5542 Magnetic Stripe read requires CAT Level of '1' or '2'. Transponder read requires CAT Level of '7'. 7 Commercial Standard • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit 8 Fuel detail addendum data8 required for Fleet cards. 8 Commercial Standard 9 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 9 N/A www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 59 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Data Rate I Not Eligible: Travel and Entertainment - Restaurants (MCC 5812), Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Swiped or Key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 2/World Business Credit 3 Must submit a valid tax id. 3 Commercial Standard • Level 3/World Elite Business Credit 4 Settle within 2 days. 4 Commercial Standard • Level 4 Credit 5 Authorization and settlement MCC must match. 5 Commercial Standard • Regulated Commercial Debit/Prepaid Debit 6 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 6 N/A • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 60 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Standard Eligible: All merchant segments. • Large Market10 Credit 1 Swipe or Key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Electronic authorization not required. 2 N/A • Level 2/World Business Credit 3 Settle within 29 days. 3 N/A • Level 3/World Elite Business Credit 4 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 4 N/A • Level 4 Credit • Regulated Commercial Debit/Prepaid Debit • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 61 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial T&E III Eligible: Travel and Entertainment - Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Large Market10 - Airlines Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 1/Business Core Credit 3 Settle within 2 days, Airline 8 days. 3 Commercial Standard • Level 2/World Business Credit 4 Must pass industry specific T&E II & III criteria.6 4 Commercial T&E II • Level 3/World Elite Business Credit 5 Authorization and settlement MCC must match. 5 Commercial Standard • Level 4 Credit 6 Exempt from amount tolerance. 6 N/A • Non-Regulated Business Debit Airlines Debit 7 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 7 N/A • Regulated Commercial Debit/Prepaid Debit • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 62 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial T&E II Eligible: Travel and Entertainment - Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Large Market10 Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 2/World Business Credit 3 Settle within 2 days, Airline 8 days. 3 Commercial Standard • Level 3/World Elite Business Credit 4 Must pass industry specific T&E II criteria.6 4 Commercial T&E I • Level 4 Credit 5 Authorization and settlement MCC must match. 5 Commercial Standard • Regulated Commercial Debit/Prepaid Debit 6 Exempt from amount tolerance. 6 N/A • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit 7 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 7 N/A Commercial T&E I Eligible: Travel and Entertainment - Restaurants (MCC 5812), Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), Passenger Transport (MCC 3000-3299, 4511, 4112), and Cruise line (MCC 4411). • Large Market10 Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Level 1/Business Core Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard • Level 2/World Business Credit 3 Settle within 2 days, Airline 8 days. 3 Commercial Standard • Level 3/World Elite Business Credit 4 Authorization and settlement MCC must match. 4 Commercial Standard • Level 4 Credit 5 Exempt from amount tolerance. 5 N/A • Regulated Commercial Debit/Prepaid Debit 6 Level 1 - 4 apply to Business Core, World Business and World Elite Business cards. The level will be determined by MasterCard cardholder spending limits.9 6 N/A • Regulated Commercial Debit/Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 63 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. T&E Large Ticket Eligible: Travel and Entertainment - Restaurants (MCC 5812), Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), Passenger Transport (MCC 3000-3299, 4511), Cruise Lines (MCC 4411), and Travel Agencies and Tour Operations (MCC 4722). • Consumer World Elite Credit 1 Swipe or key-enter transaction, obtain customer’s signature when transaction is face-to-face. 1 N/A • High Value Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Standard 3 Must be equal to or greater than $2500. 3 Commercial T&E III 4 Settle within 1 day. 4 Commercial Standard 1 Available to US merchants accepting regulated consumer debit and consumer prepaid cards issued from the following US territories: American Samoa, Guam, Northern Mariana Islands, US Minor Outlying Islands, Puerto Rico and US Virgin Islands. 1 N/A Interregional Regulated POS Debit5 Eligible: All merchant segments. • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit • Regulated Commercial Debit/Commercial Prepaid Debit • Regulated Commercial Debit/Commercial Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 64 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Interregional Electronic5 Not Eligible: MO/TO (MCC 5960, 5962, 5964-5969), Fuel Dispenser, Automated (MCC 5542). • Consumer Credit-Non US Issued Credit 1 Swipe card, obtain customer’s signature.2 1 Interregional Standard • Consumer Premium - Non US Issued Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Interregional Standard • Consumer Super Premium - Non US Issued Credit 3 Settle within 4 days. 3 Interregional Standard • Consumer Debit-Non US Issued Debit 4 Can settle within 10% of authorized amount. 4 Interregional Standard 5 Authorization and settlement MCC must match. 5 Interregional Standard Interregional Standard5 Eligible: All merchant segments. • Consumer Credit-Non US Issued Credit 1 Swipe or key-enter transaction, obtain customer signature2 when the transaction is face-to-face. 1 N/A • Consumer Premium - Non US Issued Credit 2 Settle within 29 days. 2 N/A • Consumer Super Premium - Non US Issued Credit • Consumer Debit-Non US Issued Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 65 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Interregional Purchasing Large Ticket5 Not Eligible: Travel and Entertainment - Restaurants (MCC 5812), Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112). • Purchasing/Fleet-Non US Issued Credit 1 Swipe or key-enter transaction, obtain customer’s signature when transaction is face-to-face. 1 N/A 2 Obtain and pass 1 valid electronic authorization.3 2 Interregional Commercial Card 3 Settle within 29 days. 3 Interregional Commercial Card 4 Transaction must be equal to or greater than $3,750. 4 Interregional Purchasing Data Rate II Interregional Purchasing Data Rate II5 Not Eligible: Fleet cards at Fuel Merchants (MCC 5541, 5542,), Quasi Cash (MCC 6010, 6011). • Purchasing/Fleet-Non US Issued Credit 1 Swipe or Key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A 2 Obtain and pass 1 valid electronic authorization.3 2 Interregional Commercial Card 3 Settle within 4 days. 3 Interregional Commercial Card 4 Must pass Level II Data.7 4 Interregional Commercial Card Interregional Commercial Card5 Eligible: All merchant segments. • Commercial-Non US Issued Credit 1 Swipe or Key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Commercial Premium - Non US Issued Credit 2 Settle within 29 days. 2 N/A www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 66 Qualification Matrix - October 2014 QM MasterCard® Interchange Programs n = New Program or Qualification l = MCC Change MasterCard Footnotes 1 The numeric bullet point in the “Primary Qualification Criteria” column corresponds to the numeric bullet point in the “Next Interchange Program Logic” column within the same row. This column lists the next possible Interchange program when the qualifying criteria is not met. For example, when looking at numeric bullet point 1 under Merit III “Primary Qualification Criteria” column - Swipe card, obtain customer’s signature - if a transaction is not swiped and is key-entered then the next downgrade interchange program would be Merit I or Key-Entered when looking at the corresponding numeric bullet point in the “Next Interchange Program Logic” column. 2 If transaction is $50 or less no signature required for all MCCs except Key-entry Telecom Merchant (MCC 4813), Wire Transfer Money Orders (MCC 4829), Automated Fuel Dispensers (MCC 5542), Direct MarketingInsurance Services (MCC 5960), Direct Marketing-Travel Related Arrangement Services (MCC 5962), Direct Marketing-Catalog Merchants (MCC 5964), Direct Marketing-Combination Catalog and Retail Merchants (MCC 5965), Direct Marketing-Outbound Telemarketing Merchants (MCC 5966), Direct Marketing-inbound Telemarketing Merchants (MCC 5967), Direct Marketing-Continuity/Subscription Merchants (MCC 5968), Direct Marketing-not elsewhere classified (MCC 5969), Financial Institutions-Manual Cash Disbursements (MCC 6010), Financial Institutions-Automated Cash Disbursements (MCC 6011), Quasi Cash-Member Financial Institution (MCC 6050), Quasi Cash-Merchant (MCC 6051), Remote Stored Value Load-Member Financial Institution (MCC 6529), Remote Stored Value Load-Merchant (MCC 6530), Payment TransactionMember Financial Institution (MCC 6532), Payment Transaction-Merchant (MCC 6533), Money Transfer-Member Financial Institution (MCC 6534), MasterCard MoneySend Intracountry (MCC 6536), MasterCard MoneySend Intercountry (MCC 6537), Truck Stop Transactions (MCC 7511), Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks (MCC 7995), Intra-Government Purchases (government only) (MCC 9405), or Intra-Company Purchases (MCC 9950). 3 Valid electronic authorization is obtained through a terminal or software. When an electronic authorization is obtained, all required authorization data & qualifying criteria must be present at settlement, including banknet reference number and date, etc. 4 Terminal Type = CT6; POS Terminal PAN Entry Mode = 81; E-Commerce Level of Security = 21, 23, or 91; POS Cardholder Presence Indicator = 5; Cardholder-Activated Terminal Level Indicator = 6. 5 MC International interchange programs include the MC Acquirer Program Support Fee (0.85%). 6 Travel & Entertainment (T&E) includes Restaurants, Hotels, Car Rentals, Passenger Transport, Cruise Lines, and Travel Agents. Industry specific T&E II data: Airline/Passenger Railways – General Ticket Information: passenger name, ticket number, issuing carrier; Trip Leg Data: travel date, carrier code, service class code, city or origin/airport code, city of destination/airport code; Rail Data (Passenger Railway MCCs only may provide this data in place of, or in addition to Trip Leg Data): passenger name, travel date, start station, destination station, passenger description. Vehicle Rental – Vehicle Rental Detail: rental agreement number, renter name, rental return city, rental return state/province, rental return country, return location id, return date, check-out date, customer service toll-free number. Hotel/Motel – Lodging Summary: customer service toll-free number, arrival date, departure date, folio number, property phone number. Industry specific T&E III data consists of T&E II data plus the following: Airline/Passenger Railways – General Ticket Information: total fare; Trip Leg Data: stop over code, fare basis code, flight number, departure time; Rail Data (Passenger Railway MCCs only may provide this data in place of, or in addition to Trip Leg Data): ticket number, service type. Vehicle Rental – Vehicle Rental Detail: rental rate, rental location city, rental location state/province, rental location country, rental class id, tax exempt indicator, days rented. Hotel/Motel – Lodging Summary: room rate, room tax, total room nights, fire safety act indicator. 7 Level II Data requires a valid sales tax amount, tax indicator and valid tax id. Sales tax must be between 0.1% and 30%. If tax exempt ($0 entered as tax amount or blank) will clear at Commercial Data Rate I (Corporate/Business/Purchase/Fleet/World Corporate/World Business/World Elite Corporate/World Elite Business/Enhanced Business) (MC Data Rate III and MC Large Ticket Programs are exempt). The following MCCs are exempt from providing tax amount: Marinas, Marine Service and Supplies (MCC 4468), Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), Miscellaneous Food Stores, Convenience Stores and Specialty Markets (MCC 5499), Fuel Dealers-Fuel Oil, Wood, Coal and Liquefied Petroleum (MCC 5983), Truck Stop Transactions (MCC 7511), UK Petrol Stations-Electronic Hot File (region use only) (MCC 9752), Transportation-Suburban and Local Commuter Passenger, including Ferries (MCC 4111), Bus Lines (MCC 4131), Courier Services-Air and Ground, Freight Forwarders (MCC 4215), Bridge and Road Fees, Tolls (MCC 4784), Schools, Elementary and Secondary (MCC 8211), Colleges, Universities, Professional Schools, and Junior Colleges (MCC 8220), Organizations, Charitable and Social Service (MCC 8398), Organizations, Religious (MCC 8661), Court Costs including Alimony and Child Support (MCC 9211), Fines (MCC 9222), Tax Payments (MCC 9311), Government Services not elsewhere classified (MCC 9399) and Postal Services - Government Only (MCC 9402). Purchasing cards require a customer code. Level III Data is line item detail, which includes item description, item quantity, item unit of measure, product code, credit and debit indicator, extended item amount. Equipment must be programmed to recognize Commercial/Corporate Cards. 8 Fuel Detail Addendum Data requires Oil Company Brand Name, Purchase Time, Motor Fuel Information, Odometer Reading, Vehicle Number, Driver Number/Id Number and Product Type Code. Lodging Summary requires Customer Service Phone Number, Arrival/Departure Date, Folio Number, and Property Phone Number. 9 MasterCard Cardholder Spending Requirements for Small Business Products: Business Level 1 - $0 to $24,999; Business Level 2 - $25,000 to $49,999; Business Level 3 - $50,000 to $99,999; Business Level 4 $100,000 and greater. 10 MasterCard Large Market consists of the following Commercial products: Corporate, World Corporate, World Elite Corporate, Purchasing, Fleet, and Commercial Payment Account (new effective April 11, 2014). www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 67 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Recurring Payments (Prime Submission Level) Eligible: Direct Marketing-Continuity/Subscription (MCC 5968), Membership Clubs-Country Clubs, Golf (MCC 7997), Child Day Care Services (MCC 8351), and Charitable/Social Services (MCC 8398). l Eligible for Debit Only: Emerging Markets (MCCs 4899) and Phone Services/Equipment/Utilities (MCC 4814). l • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 1 day. 3 Mid Submission Level • Premium Plus Credit 4 For Card Present, Installment Payment Indicator must be present. For Card Not Present, AVS4 and Recurring Billing Indicator must be present. 4 N/A • Non-Regulated Consumer Debit/Prepaid Debit 5 Can settle within 10% of the authorized amount. 5 Base Submission Level • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit PSL - Utilities Eligible: Utility-Water, Gas, Electric, Sanitation (MCC 4900). • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Authorize and settle within 1 day. 2 Mid Submission Level • Premium Credit 3 Obtain and pass 1 valid electronic authorization.3 3 Base Submission Level • Commercial Credit 4 Can settle within 10% of the authorized amount. 4 Base Submission Level • Premium Plus Credit • Non-Regulated Consumer Debit/Prepaid Debit • Non-Regulated Commercial Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 68 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Retail Not Eligible: MCC’s that are restricted to industry specific PSL interchange programs, High Risk (MCC 5962, 5966, 5967), Quasi Cash (MCC 4829, 6050, 6051, 7995). • Credit Credit 1 Swipe card, obtain customer’s signature.2 1 Key Entry or PSL/Card Not Present/E-Commerce • Rewards Credit 2 Authorize and settle within 1 day. 2 Mid Submission Level • Premium Credit 3 Obtain and pass 1 valid electronic authorization.3 3 Base Submission Level • Premium Plus Credit 4 Transaction amount must be greater than $15.00 for the following MCCs: Local/Suburban Commuter (MCC 4111), Taxicabs & Limousines (MCC 4121), Bus Lines-Charter, Tour (MCC 4131), News Dealers & Newsstands (MCC 5994), Laundries - Family/ Commercial (MCC 7211), Dry Cleaners (MCC 7216), Quick Copy, Reproduction Blueprinting Svcs (MCC 7338), Parking Lots and Garages (MCC 7523), Car Washes (MCC 7542), Motion Picture Theaters (MCC 7832), Video Rental Stores (MCC 7841). 4 PSL/Express Services • Non-Regulated Consumer Debit Debit 5 Beauty/Barber Shops (MCC 7230) and Taxicabs & Limousines (MCC 4121) have a 20% transaction amount tolerance, Drinking Places (MCC 5813) and Steamship/Cruise Lines (MCC 4411) are exempt from transaction amount tolerance, all other MCCs have 10% transaction amount tolerance. 5 Base Submission Level • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 69 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Restaurant Eligible: Restaurants (MCC 5812), Fast Food Restaurants (MCC 5814). • Credit Credit 1 Swipe card, obtain customer’s signature.2 1 Key Entry or PSL/Card Not Present/E-Commerce • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Transaction amount must be greater than $15.00. 3 PSL/Express Services • Premium Plus Credit 4 Exempt from amount tolerance. 4 N/A • Non-Regulated Consumer Debit Debit 5 Authorize and settle within 1 day. 5 Mid Submission Level • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit PSL - Petroleum Eligible: Service Stations (MCC 5541), Automated Fuel Dispenser (MCC 5542). • Credit Credit 1 Swipe card, obtain customer’s signature.2 • Rewards Credit 2 Obtain and pass 1 valid electronic authorization. 2 Base Submission Level • Premium Credit 3 Exempt from amount tolerance. 3 N/A • Premium Plus Credit 4 Authorize and settle within 1 day. 4 Mid Submission Level • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 1 Key Entry or PSL/Card Not Present/E-Commerce 3 70 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Supermarket Eligible: Supermarkets (MCC 5411). • Credit Credit 1 Swipe card, obtain customer’s signature.2 1 Key Entry or PSL/Card Not Present/E-Commerce • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 1 day. 3 Mid Submission Level • Premium Plus Credit 4 Can settle within 10% of the authorized amount. 4 Base Submission Level • Non-Regulated Consumer Debit Debit • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 71 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Key Entry Not Eligible: MCC’s that are restricted to industry specific PSL interchange programs, High Risk (MCC 5962, 5966, 5967), Quasi Cash (MCC 4829, 6050, 6051, 7995). • Credit Credit 1 Magnetic stripe not readable, key-enter transaction, obtain customer’s signature. 1 N/A • Rewards Credit 2 Authorize and settle within 1 day. 2 Mid Submission Level • Premium Credit 3 Obtain and pass 1 valid electronic authorization.3 3 Base Submission Level • Premium Plus Credit 4 Beauty/Barber Shops (MCC 7230) and Taxicabs & Limousines (MCC 4121) have a 20% transaction amount tolerance, Drinking Places (MCC 5813) and Steamship/Cruise Lines (MCC 4411) are exempt from transaction amount tolerance, all other MCCs have 10% transaction amount tolerance. 4 Base Submission Level • Non-Regulated Consumer Debit Debit • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 72 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Express Services Eligible: Restaurants (MCC 5812), Fast Food Restaurants (MCC 5814), Local/Suburban Commuter (MCC 4111), Taxicabs & Limousines (MCC 4121), Parking Lots and Garages (MCC 7523), Bus LinesCharter, Tour (MCC 4131), Toll Road/Bridge Fees (MCC 4784), News Dealers & Newsstands (MCC 5994), Laundries - Family/Commercial (MCC 7211), Dry Cleaners (MCC 7216), Quick Copy, Reproduction Blueprinting Svcs (MCC 7338), Motion Picture Theaters (MCC 7832), Car Washes (MCC 7542), Video Rental Stores (MCC 7841), and Misc Food Stores (MCC 5499). • Credit Credit 1 Swipe card, obtain customer’s signature.2 1 Key Entry or PSL/Card Not Present/E-Commerce • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 1 day. 3 Mid Submission Level • Premium Plus Credit 4 Transaction amount less than or equal to $15.00 for all MCCs except Taxicabs & Limousines (MCC 4121) which is less than or equal to $25.00. 4 PSL/Retail or PSL/Restaurant. • Non-Regulated Consumer Debit/Prepaid Debit 5 Restaurants (MCC 5812) and Fast Food Restaurants (MCC 5814) are exempt from amount tolerance. Taxicabs & Limousines (MCC 4121) has 20% tolerance and all other MCCs have 10% tolerance. 5 Base Submission Level • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit PSL - Emerging Markets Eligible: Schools (MCCs 8220, 8211, 8299), Emerging Markets (MCC 4899), Direct Marketing - Continuity/Subscription (MCC 5968), Fuel Dealers - Oil, Wood, Coal (MCC 5983), Child Day Care Services (MCC 8351), Charitable/Social Services (MCC 8398), and Payment Service Provider (MCC 6533). • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 2 days. 3 Base Submission Level • Premium Plus Credit 4 Can settle within 10% of the authorized amount. 4 Base Submission Level • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 73 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Public Services Eligible: Public Services (MCCs 9399, 9211, 9222, 9223, 9311, 9405, 4784). • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 2 days. 3 Base Submission Level • Premium Plus Credit 4 Can settle within 10% of the authorized amount. 4 Base Submission Level • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit PSL - Hotels/Car Rentals Eligible: Hotels/Car Rental merchants (MCCs 3351-3441, 3501-3999, 7011, 7012, 7512, 7513, 7519). • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 1 day. 3 Base Submission Level • Premium Plus Credit 4 Exempt from amount tolerance. 4 N/A • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 74 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Card Not Present/E-Commerce Not Eligible: MCC’s that are restricted to industry specific PSL interchange programs, High Risk (MCC 5962, 5966, 5967), Quasi Cash (MCC 4829, 6050, 6051, 7995). • Credit Credit 1 Key-enter or E-Commerce transaction. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 1 day. 3 Mid Submission Level • Premium Plus Credit 4 Exempt from amount tolerance. 4 N/A • Non-Regulated Consumer Debit Debit 5 AVS required-use AVS4 feature on terminal or software: enter up to first 5 numeric characters of address and zip code. 5 Mid Submission Level • Non-Regulated Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit PSL - Passenger Transport Eligible: Airlines (MCC 3000-3299, 4511), Railways (MCC 4112). • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Settle within 7 days. 3 Mid Submission Level • Premium Plus Credit 4 Exempt from amount tolerance. 4 N/A • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 75 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. PSL - Real Estate Eligible: Real Estate Agents and Managers - Rentals (MCC 6513). • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 2 days. 3 Mid Submission Level • Premium Plus Credit 4 Can settle within 10% of the authorized amount. 4 Base Submission Level • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit PSL - Insurance Eligible: Direct Marketing - Insurance Services (MCC 5960), Insurance Sales, Underwriting and Premiums (MCC 6300). • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Authorize and settle within 2 days. 3 Mid Submission Level • Premium Plus Credit 4 Can settle within 10% of the authorized amount. 4 Base Submission Level • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 76 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Mid Submission Level Not Eligible: High Risk (MCCs 5962, 5966, 5967). Not Eligible for Premium and Premium Plus: Hotels/Car Rental (MCCs 3351-3441, 3501-3999, 7011, 7012, 7512, 7513, 7519), Passenger Transport (MCCs 3000-3299, 4112, 4511). • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Obtain and pass 1 valid electronic authorization.3 2 Base Submission Level • Premium Credit 3 Hotels/Car Rental (MCCs 3351-3441, 3501-3999, 7011, 7012, 7512, 7513, 7519) or Passenger Transport (MCCs 3000-3299, 4112, 4511) authorize and settle within 8 days. All others authorize and settle within 2 days. 3 Base Submission Level • Premium Plus Credit 4 Beauty/Barber Shops (MCC 7230) and Taxicabs & Limousines (MCC 4121) have a 20% transaction amount tolerance, Hotels/Car Rentals (MCCs 3351-3441, 3501-3799, 7011, 7012, 7512, 7513, 7519), Passenger Railways (MCC 4112), Service Stations (MCC 5541), Automated Fuel Dispenser (MCC 5542), Eating Places and Restaurants (MCC 5812), Drinking Places (MCC 5813), Steamship/Cruise Lines (MCC 4411) and Fast Food Restaurants (MCC 5814) are exempt from transaction amount tolerance, all other MCCs have 10% transaction amount tolerance. 4 Base Submission Level • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 77 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Base Submission Level Eligible: All merchant segments. • Credit Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Rewards Credit 2 Exempt from timeliness edits. 2 N/A • Premium Credit • Premium Plus Credit • Non-Regulated Consumer Debit/Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid Debit • Regulated Consumer Debit/Consumer Prepaid with Fraud Adjustment Debit Commercial Large Ticket Eligible: Miscellaneous Publishing and Printing (MCC 2741), Typesetting, Plate Making and Related Services (MCC 2791), Specialty Cleaning, Polishing and Sanitation Preparations (MCC 2842), Motor Vehicle Supplies and New Parts (MCC 5013), Office and Commercial Furniture (MCC 5021), Construction Materials Not Elsewhere Classified (MCC 5039), Photographic, Photocopy, Microfilm Equipment (MCC 5044), Computers/Peripheral Equipment, Software (MCC 5045), Commercial Equipment Not Elsewhere Classified (MCC 5046), Dental/Laboratory/Medical/Ophthal/Hospital Equipment and Supplies (MCC 5047), Metal Service Centers and Office (MCC 5051), Electrical Parts and Equipment (MCC 5065), Hardware Equipment and Supplies (MCC 5072), Plumbing and Heating Equipment & Supplies (MCC 5074), Industrial Supplies Not Elsewhere Classified (MCC 5085), Precious Stones/Metal, Watches, Jewelry (MCC 5094), Durable Goods Not Elsewhere Classified (MCC 5099), Stationery, Office Supplies, Print/Writing (MCC 5111), Drugs, Drug Proprietaries, Drug Sundries (MCC 5122), Piece Goods, Notions, Other Dry Goods (MCC 5131), Men, Women, Child Uniforms/Comm Clothing (MCC 5137), Commercial Footwear (MCC 5139), Chemicals/Allied Prod Not Elsewhere Classified (MCC 5169), Petroleum and Petroleum Products (MCC 5172), Books, Periodicals, Newspapers (MCC 5192), Florist Supplies, Nursery Stock, Flowers (MCC 5193), Paints, Varnishes and Supplies (MCC 5198), and Non-Durable Goods Not Elsewhere Classified (MCC 5199). • Commercial Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Commercial Debit/Prepaid Debit 2 Transaction amount must be greater than or equal to $5000.00. 2 Commercial Electronic • Regulated Commercial Debit Debit 3 Authorize and settle within 2 days. 3 Commercial Electronic • Regulated Commercial Debit with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 78 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Electronic - Passenger Transport Eligible: Passenger Transport (MCCs 3000-3299, 4112, 4511). • Commercial Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Commercial Debit/Prepaid Debit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Base Submission Level • Regulated Commercial Debit Debit 3 Exempt from amount tolerance. 3 N/A • Regulated Commercial Debit with Fraud Adjustment Debit 4 Authorize and settle within 7 days. 4 Commercial Base Submission Level Commercial Electronic - Emerging Markets/Public Services Eligible: Public Services (MCCs 9399, 9211, 9222, 9223, 9311), Emerging Markets (MCCs 8220, 8211, 8299, 6300, 4899), Direct Marketing - Continuity/Subscription (MCC 5968), Fuel Dealers - Oil, Wood, Coal (MCC 5983), Child Day Care Services (MCC 8351), Charitable/Social Services (MCC 8398), and Payment Service Providers (MCC 6533). • Commercial Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Commercial Debit/Prepaid Debit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Base Submission Level • Regulated Commercial Debit Debit 3 Can settle within 10% of the authorized amount. 3 Commercial Base Submission Level • Regulated Commercial Debit with Fraud Adjustment Debit 4 Authorize and settle within 2 days. 4 Commercial Base Submission Level www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 79 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Commercial Electronic - All Others Not Eligible: MCC’s that are restricted to industry specific interchange programs and High Risk (MCC 5962, 5966, 5967). • Commercial Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Commercial Debit/Prepaid Debit 2 Obtain and pass 1 valid electronic authorization.3 2 Commercial Base Submission Level • Regulated Commercial Debit Debit 3 AVS required-use AVS4 feature on terminal or software: enter up to first 5 numeric characters of address and zip code. 3 Commercial Base Submission Level • Regulated Commercial Debit with Fraud Adjustment Debit 4 Authorize and settle within 1 day. 4 Commercial Base Submission Level 5 Beauty/Barber Shops (MCC 7230) and Taxicabs & Limousines (MCC 4121) have a 20% transaction amount tolerance, Hotels/Car Rentals (MCCs 3351-3441, 3501-3799, 7011, 7012, 7512, 7513, 7519), Passenger Railways (MCC 4112), Service Stations (MCC 5541), Automated Fuel Dispenser (MCC 5542), Eating Places and Restaurants (MCC 5812), Drinking Places (MCC 5813), Steamship/Cruise Lines (MCC 4411) and Fast Food Restaurants (MCC 5814) are exempt from transaction amount tolerance, all other MCCs have 10% transaction amount tolerance. 5 Commercial Base Submission Level Commercial Base Submission Level Eligible: All merchant segments. • Commercial Credit 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A • Commercial Debit/Prepaid Debit 2 Settle within 59 days. 1 N/A • Regulated Commercial Debit Debit • Regulated Commercial Debit with Fraud Adjustment Debit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 80 Qualification Matrix - October 2014 QM Discover® Interchange Programs Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. International Electronic5 Not Eligible: High Risk (MCC 5962, 5966, 5967). Credit • Non US Issued 1 Swipe card, obtain customer’s signature.2 1 International Base Level 2 Obtain and pass 1 valid electronic authorization.3 2 International Base Level 3 Authorize and settle within 4 days. 3 International Base Level 4 Exempt from amount tolerance. 4 N/A 1 Swipe or key-enter transaction, obtain customer’s signature2 when transaction is face-to-face. 1 N/A 2 Settle within 59 days. 2 N/A International Base5 Eligible: All merchant segments. • Non US Issued www.wellsfargo.com/biz/qualmatrix Credit © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 81 Qualification Matrix - October 2014 QM Discover® Interchange Programs n = New Program or Qualification l = MCC Change Discover Footnotes 1 The numeric bullet point in the “Primary Qualification Criteria” column corresponds to the numeric bullet point in the “Next Interchange Program Logic” column within the same row. This column lists the next possible Interchange program when the qualifying criteria is not met. For example, when looking at numeric bullet point 1 under PSL Retail “Primary Qualification Criteria” column - Swipe card, obtain customer’s signature - if a transaction is not swiped and is key-entered then the next downgrade interchange program would be Key-Entry or PSL Card Not Present/E-Commerce when looking at the corresponding numeric bullet point in the “Next Interchange Program Logic” column. 2 If transaction is $25 or less no signature required for all MCCs except Money Transfer–Non–Financial Institution (MCC 4829), Member Financial Institution–Manual Cash Disbursements (MCC 6010), Member Financial Institution–Automated Cash Disbursements (MCC 6011), Quasi Cash–Member Financial Institution (MCC 6050), Non–Financial Institution (MCC 6051), Payment Service Provider-Money Transfer for a Purchase (MCC 6531), Payment Service Provider-Member Financial Institution-Payment Transaction (MCC 6532), Payment Service Provider–Merchant-Payment Transactions (MCC 6533) Money Transfer-Member Financial Institution (MCC 6534) Betting(e.g., lottery tickets, OTB) (MCC 7995). 3 Valid electronic authorization is obtained through a terminal or software. When an electronic authorization is obtained, all required authorization data & qualifying criteria must be present at settlement, transaction ID, auth date, etc. 4 Equipment must be programmed to use the Address Verification Service (AVS). 5 Discover International interchange programs include the Discover International Processing Fee. www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 82 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Business-to-Business / Wholesale Eligible: Landscape Horticulture (MCC 0780), Misc. Contractor (MCC 1799), Typesetting Service (MCC 2791), Courier Service (MCC 4215), Construction Material (MCC 5039), Computer Equipment (MCC 5045), Commercial Equipement (MCC 5046), Medical Equipment (MCC 5047), Metal Service Center (MCC 5051), Electrical Equipment (MCC 5065), Industrial Supply (MCC 5085), Jewelery Watches (MCC 5094), Durable Goods (MCC 5099), Office Supplies (MCC 5111), Drugs (MCC 5122), Fabrics (MCC 5131), Commercial Clothing (MCC 5137), Commercial Footwear (MCC 5139), Chemicals (MCC 5169), Florist Supplies (MCC 5193), Paints/Varnishes (MCC 5198), Non-Durable Goods (MCC 5199), Insurance Sales (MCC 6300), Advertising Service (MCC 7311), Commercial Photo Art (MCC 7333), Copy Reproduction (MCC 7338), Secretarial Support (MCC 7339), Clearing/Janitorial (MCC 7349), Employment Agency (MCC 7361), Management Consulting (MCC 7392), Equipment Rentals (MCC 7394), Business Services (MCC 7399), Electronics Repair (MCC 7622), Welding Services (MCC 7692), Video Production (MCC 7829), Commercial Sports (MCC 7941), Testing Laboratory (MCC 8734), Architect Engineer (MCC 8911), Accounting/Auditing (MCC 8931), Professional Services (MCC 8999). • Credit Base Tier 1 Credit 1 Swipe card, obtain customer’s signature.4 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $400. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $400.01 to $7,500. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $7,500. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 83 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Bars / Caterer Eligible: Caterers (MCC 5811), Bar/Nightclubs (MCC 5813). • Credit Base Tier 1 Credit 1 Swipe card, obtain customer’s signature.4 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $25. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $25.01 to $150. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $150. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 84 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Healthcare Eligible: Doctor/Physician (MCC 8011), Dentist/Orthodontist (MCC 8021), Osteopath (MCC 8031), Chiropractor (MCC 8041), Optometrist (MCC 8042), Optician (MCC 8043), Podiatrist (MCC 8049), Nursing Personal Care (MCC 8050), Hospital (MCC 8062), Medical/Dental Lab (MCC 8071), Medical Services (MCC 8099). • Credit Base Tier 1 Credit 1 Swipe card, obtain customer’s signature.4 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $150. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $150.01 to $2,000. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $2,000. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 85 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Lodging Eligible: Lodging (MCC 7011). • Credit Base Tier 1 Credit 1 Swipe card, obtain customer’s signature.4 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $100. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $100.01 to $1,000. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $1,000. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 86 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Mail Order & Internet Eligible: Catalog Merchandise (MCC 5964), Subscriptions (MCC 5968), Direct Marketing Misc. (MCC 5969). • Credit Base Tier 1 Credit 4 1 Swipe card, obtain customer’s signature. 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $150. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $150.01 to $3,000. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $3,000. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 87 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Restaurant Eligible: Restaurant (MCC 5812), Fast Food Restaurant (MCC 5814). • Credit Base Tier 1 Credit 4 1 Swipe card, obtain customer’s signature. 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $25. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $25.01 to $150. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $150. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 88 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Retail Eligible: Auto Supplies/Parts (MCC 5013), Office Furniture (MCC 5021), Office Equipment (MCC 5044), Hardware Equipment (MCC 5072), Books/Newspapers (MCC 5192), Home Supply Warehouse (MCC 5200), Lumber/Building (MCC 5211), Glass/Paint/Wallpaper (MCC 5231), Hardware Store (MCC 5251), Lawn/Garden Supplies (MCC 5261), Duty-Free Stores (MCC 5309), Discount Stores (MCC 5310), Department Stores (MCC 5311), Variety Stores (MCC 5331), General Merchandise (MCC 5399), Grocery Store (MCC 5411), Freezer/Locker Meat (MCC 5422), Candy/Confectionery (MCC 5441), Dairy Products Store (MCC 5451), Bakery (MCC 5462), Misc. Food Stores (MCC 5499), Auto/Home Supply (MCC 5531), Automotive Tire Store (MCC 5532), Auto Parts Accessory (MCC 5533), Boat Dealer (MCC 5551), Men’s Clothing (MCC 5611), Women’s Clothing (MCC 5621), Women’s Accessories (MCC 5631), Children’s Clothing (MCC 5641), Family Clothing (MCC 5651), Sports Clothing (MCC 5655), Shoe Stores (MCC 5661), Furrier and Fur Shop (MCC 5681), Men’s and Women’s Clothing (MCC 5691), Wig and Toupee Store (MCC 5698), Misc. Apparel Store (MCC 5699), Furniture Home Store (MCC 5712), Floor Covering Store (MCC 5713), Drapery/Upholstery (MCC 5714), Wholesale Alcohol (MCC 5715), Fireplace Accessories (MCC 5718), Misc. Home Furnishings (MCC 5719), Household Appliances (MCC 5722), Electronics Store (MCC 5732), Music Stores (MCC 5733), Computer Stores (MCC 5734), Record Stores (MCC 5735), Drug Store/Pharmacy (MCC 5912), Liquor Stores (MCC 5921), Used Merchandise (MCC 5931), Antique Shop (MCC 5932), Antique Reproduction (MCC 5937), Bicycle Shop (MCC 5940), Sporting Goods Store (MCC 5941), Book Store (MCC 5942), Office Supply Store (MCC 5943), Jewelery/Watch/Silverware (MCC 5944), Hobby/Toy/Game (MCC 5945), Camera/Photo Supply (MCC 5946), Card/Souvenir Store (MCC 5947), Luggage/Leather Goods (MCC 5948), Sewing/Fabric Store (MCC 5949), Glassware/Crystal (MCC 5950), Catalog Showroom (MCC 5965), Artist Supply/Craft (MCC 5970), Art Dealer/Gallery (MCC 5971), Stamp/Coin Store (MCC 5972), Religious Goods Store (MCC 5973), Cosmetic Store (MCC 5977), Typewriter Store (MCC 5978), Florist (MCC 5992), Cigar Store/Stand (MCC 5993), News Dealer/Newsstand (MCC 5994), Pet Shop/Food Supply (MCC 5995), Swimming Pools (MCC 5996), Electric Razor Store (MCC 5997), Tent and Awning Store (MCC 5998), Misc. Specialty Retail (MCC 5999), Clothing Rental (MCC 7296), Watch/Jewelry Repair (MCC 7631), Video Rental Store (MCC 7841). • Credit Base Tier 1 Credit 4 1 Swipe card, obtain customer’s signature. 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $75. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $75.01 to $1,000. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $1,000. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 89 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Services & Professional Services Eligible: Veterinary Service (MCC 0742), Wine Producer (MCC 0743), Champagne Producer (MCC 0744), Agricultural Co-Op (MCC 0763), General Contractor (MCC 1520), Heating/Plumbing/AC (MCC 1711), Electrical Contractor (MCC 1731), Masonry Tile Insulate (MCC 1740), Carpentry Contractor (MCC 1750), Roofing/Siding (MCC 1761), Concrete Work (MCC 1771), Publishing/Printing (MCC 2741), Misc. Cleaning Product (MCC 2842), Ambulance Service (MCC 4119), Freight Moving (MCC 4214), Warehousing/Storage (MCC 4225), Boat Rental (MCC 4457), Marine Service Supply (MCC 4468), Telegraph Service (MCC 4821), Public Utility (MCC 4900), Plumbing/Heating (MCC 5074), Mobile Home Dealer (MCC 5271), Wholesale Club (MCC 5300), Auto Dealer New/Used (MCC 5511), Auto Dealer Used (MCC 5521), Camper/Trailer Dealer (MCC 5561), Motorcycle Dealer (MCC 5571), Motor Home Dealer (MCC 5592), Snowmobile Dealer (MCC 5598), Misc. Vehicle Dealer (MCC 5599), Tailor/ Seamstress (MCC 5697), Pawn Shop (MCC 5933), Wrecking/Salvage (MCC 5935), Hearing Aids (MCC 5975), Orthopedic/Prosthetic (MCC 5976), Fuel Dealer (MCC 5983), Garment Cleaning (MCC 7210), Laundry Service (MCC 7211), Dry Cleaner (MCC 7216), Carpet Cleaning (MCC 7217), Photographic Studio (MCC 7221), Beauty/Barber Shop (MCC 7230), Shoe Repair/Shine (MCC 7251), Funeral Service (MCC 7261), Tax Preparation (MCC 7276), Counseling Service (MCC 7277), Buying/Shopping Clubs (MCC 7278), Health/Beauty Spa (MCC 7298), Misc. Personal Service (MCC 7299), Credit Reporting (MCC 7321), Extermintate/Disinfect (MCC 7342), Computer Programming (MCC 7372), Information Retrieval (MCC 7375), Computer Maintenance (MCC 7379), Security Service (MCC 7393), Photo Finishing (MCC 7395), Parking Lot/Garage (MCC 7523), Auto Body Repair (MCC 7531), Tire Repair (MCC 7534), Auto Paint Shop (MCC 7535), Auto Service (MCC 7538), Car Wash (MCC 7542), Towing Service (MCC 7549), AC/Refrigeration Repair (MCC 7623), Appliance Repair (MCC 7629), Furniture Repair (MCC 7641), Misc. Repair Shop (MCC 7699), Movie Theater (MCC 7832), Dance Hall/School (MCC 7911), Ticket Agency (MCC 7922), Misc. Entertainer (MCC 7929), Billiard/Pool (MCC 7932), Bowling Alley (MCC 7933), Tourist Attraction (MCC 7991), Public Golf Course (MCC 7992), Video Game Supply (MCC 7993), Video Game Arcade (MCC 7994), Membership Club (MCC 7997), Aquarium (MCC 7998), Legal Service (MCC 8111), Civic Social Association (MCC 8641), Political Organization (MCC 8651), Automobile Association (MCC 8675), Membership Organization (MCC 8699). • Credit Base Tier 1 Credit 4 1 Swipe card, obtain customer’s signature. 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $400. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $400.01 to $3,000. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $3,000. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 90 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Travel & Entertainment Eligible: Travel Agency (MCC 4722), Campground (MCC 7033), Amusement Park (MCC 7996), Recreation Service (MCC 7999). • Credit Base Tier 1 Credit 4 1 Swipe card, obtain customer’s signature. 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $100. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $100.01 to $1,000. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $1,000. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 91 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type Discount Rate n = New Program or Qualification l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Other Eligible: Taxicab/Limousine (MCC 4121), Bus Line (MCC 4131), Airport Terminal (MCC 4582), Toll/Bridge Fee (MCC 4784), Misc. Transportation (MCC 4789), Telecom Equipment (MCC 4812), Computer Network Information (MCC 4816), Cable/Pay TV (MCC 4899), Gas Station (MCC 5541), Automated Fuel Dispenser (MCC 5542), Recreation Camp (MCC 7032), School (MCC 8211), College/University (MCC 8220), Correspondence School (MCC 8241), Secretarial School (MCC 8244), Trade/Vocation School (MCC 8249), Educational Services (MCC 8299), Child Care Services (MCC 8351), Charitable Organization (MCC 8398), Religious Organization (MCC 8661), Court Costs (MCC 9211), Fines (MCC 9222), Tax Payments (MCC 9311), Government Services (MCC 9399). • Credit Base Tier 1 Credit 4 1 Swipe card, obtain customer’s signature. 1 Non-Swipe Tier 1-3 • Credit Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Credit Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $100. 3 Tier 2 or Tier 3 • Credit Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $100.01 to $3,000. 4 Tier 1 or Tier 3 • Credit Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $3,000. 5 Tier 1 or Tier 2 • Credit Non-Swipe2 Tier 3 Credit • Credit Tier 1 Non-US3 Credit • Credit Tier 2 Non-US3 Credit • Credit Tier 3 Non-US3 Credit • Credit Non-Swipe2 Tier 1 Non-US3 Credit • Credit Non-Swipe2 Tier 2 Non-US3 Credit • Credit Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 92 Qualification Matrix - October 2014 QM American Express® Program Pricing Interchange Program • Card Type n = New Program or Qualification Discount Rate l = MCC Change Primary Qualification Criteria1 Next Interchange Program Logic1 Applies to the card products listed in the Card Type column unless otherwise indicated. Refers to the card products listed in the Card Type column unless otherwise indicated. Prepaid Eligible: All Industries. • Prepaid Base Tier 1 Credit 4 1 Swipe card, obtain customer’s signature. 1 Non-Swipe Tier 1-3 • Prepaid Base Tier 2 Credit 2 Obtain and pass 1 valid electronic authorization.5 2 N/A • Prepaid Base Tier 3 Credit 3 Tier 1 - Transaction amount must be less than or equal to $75. 3 Tier 2 or Tier 3 • Prepaid Non-Swipe2 Tier 1 Credit 4 Tier 2 - Transaction amount must be between $75.01 to $1,000. 4 Tier 1 or Tier 3 • Prepaid Non-Swipe2 Tier 2 Credit 5 Tier 3 - Transaction amount must be greater than $1,000. 5 Tier 1 or Tier 2 • Prepaid Non-Swipe2 Tier 3 Credit • Prepaid Tier 1 Non-US3 Credit • Prepaid Tier 2 Non-US3 Credit • Prepaid Tier 3 Non-US3 Credit • Prepaid Non-Swipe2 Tier 1 Non-US3 Credit • Prepaid Non-Swipe2 Tier 2 Non-US3 Credit • Prepaid Non-Swipe2 Tier 3 Non-US3 Credit www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 93 Qualification Matrix - October 2014 QM American Express® Program Pricing n = New Program or Qualification l = MCC Change American Express Footnotes 1 The numeric bullet point in the “Primary Qualification Criteria” column corresponds to the numeric bullet point in the “Next Interchange Program Logic” column within the same row. This column lists the next possible Interchange program when the qualifying criteria is not met. For example, when looking at numeric bullet point 1 under Business-to-Business / Wholesale “Primary Qualification Criteria” column - Swipe card, obtain customer’s signature - if a transaction is not swiped and is key-entered then the next downgrade interchange program would be Non-Swipe Tier 1-3 when looking at the corresponding numeric bullet point in the “Next Interchange Program Logic” column. 2 American Express Non-Swipe programs include the American Express Non-Swipe Transaction Fee (0.30%). 3 American Express Non-US programs include the American Express Inbound Fee (0.40%). 4 If transaction is $50 or less no signature required for Taxicab/Limousine (MCC 4121), Bus Line (MCC 4131), Toll/Bridge Fee (MCC 4784), Grocery Store (MCC 5411), Misc. Food Stores (MCC 5499), Gas Station (MCC 5541), Record Stores (MCC 5735), Restaurant (MCC 5812), Fast Food Restaurant (MCC 5814), Drug Store/Pharmacy (MCC 5912), Sporting Goods Store (MCC 5941), Book Store (MCC 5942), News Dealer/ Newsstand (MCC 5994), Misc. Specialty Retail (MCC 5999), Garment Cleaning (MCC 7210), Laundry Service (MCC 7211), Dry Cleaner (MCC 7216), Copy Reproduction (MCC 7338), Parking Lot/Garage (MCC 7523), Car Wash (MCC 7542), Movie Theater (MCC 7832), Video Rental Store (MCC 7841), Commercial Sports (MCC 7941), Doctor/Physician (MCC 8011). 5 American Express requires merchants to authorize and submit field level data on all American Express transactions. Failure to meet these requirements may result in the American Express Technical Specification Non-Compliance Fee (0.75%). www.wellsfargo.com/biz/qualmatrix © 2014 Wells Fargo Merchant Services, L.L.C. All rights reserved. 94 Qualification Matrix - October 2014 QM
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